Compliance Testing Analyst II - Lending Compliance Testing (Hybrid - see potential locations in description)

M&T Bank•Buffalo, NY

8d•Hybrid

About The Position

The Compliance Testing Analyst II assists with executing risk-based compliance testing engagements to help ensure the Bank complies with applicable laws, rules, and regulations. The role supports ongoing risk assessment, control identification, and testing across the compliance portfolio, with a focus on lending activities in Mortgage, Consumer, Commercial, and Business Banking. It offers the opportunity to develop an understanding of M&T’s lending businesses, support functions, and internal control framework. The position works under minimal supervision of the Compliance Testing Manager and requires independent judgment and discretion. It involves substantial contact with cross-functional testing teams and internal business units supporting lending activities. There are no supervisory responsibilities. This is a hybrid position requiring in-office work at an M&T Bank corporate office four days per week, with one day per week of remote work possible. Potential locations are Buffalo, NY; Bridgeport, CT; Baltimore, MD; Boston, MA; and Wilmington, DE.

Requirements

Bachelor’s degree in a business-related curriculum and at least 2 years of relevant work experience in Compliance, Audit, or Risk Management; alternatively, a combined minimum of 6 years of higher education and/or work experience, including 2 years of relevant experience, in lieu of a degree.
Fundamental understanding of financial services functions.
Ability to thrive in a collaborative, team-oriented environment.
Strong interpersonal skills and effective oral and written communication skills.
Strong organizational and analytical skills.
Regulatory knowledge related to aspects of the portfolio.
Proficiency with personal computers and pertinent software packages.

Nice To Haves

Financial services industry experience, particularly in Mortgage, Consumer, Commercial, or Business Banking lending activities.
Related certification such as CPA, CIA, CISA, CAMS, CRCM, or similar.
MBA or master’s degree in an appropriate field.
Experience building compliance or audit test scripts.

Responsibilities

Interface with multiple organizational levels to obtain information about processes and controls.
Perform compliance testing in accordance with department and professional standards, including planning and executing control and substantive tests, assisting with test reviews, and evaluating results for control weaknesses or exceptions.
Organize and complete work within established timeframes under minimal supervision and provide periodic completion-status updates.
Participate in collaborative testing-team discussions with management, where judgments and opinions are effectively challenged.
Serve as a resource to junior compliance team members.
Review test findings with testing management and other compliance officers to confirm the validity of issues.
Maintain working knowledge of regulatory requirements to perform appropriate testing.
Assess business-unit processes and controls and provide risk-focused input on testing approach effectiveness and efficiency.
Independently document higher-complexity test scripts.
Participate in special projects as needed, multitask assignments, and meet established deadlines.
Adhere to applicable compliance and operational risk controls, Company policies, regulatory standards, and the Company’s Risk Appetite.
Identify risk-related findings that require escalation to management.
Promote an environment that supports belonging and reflects the M&T Bank brand.
Maintain internal control standards, including timely implementation of internal and external audit points and applicable issues raised by external regulators.
Complete other related duties as assigned.