Enterprise Architect for Financial Crimes (Fintech)

Location: Hybrid position with on-site presence at the Seneca One Tech Hub in Buffalo, New York, one week per month.

Salary: $139,700–$232,900 annual USD.

Company

M&T Bank is a regional financial institution founded in 1856 that invests in technology, data, and processes supporting customer outcomes, resilience, and sustainable growth.

What you will do

• Define financial crime and fraud prevention architecture strategies, target-state architectures, reference patterns, roadmaps, and transition plans.
• Develop architectures spanning AML, KYC, customer due diligence, sanctions, adverse media, transaction monitoring, fraud detection, digital identity, authentication, behavioral analytics, case management, investigations, remediation, and regulatory reporting.
• Define enterprise patterns for identity, entity resolution, graph analytics, event streaming, feature and decision services, model execution, alerting, case integration, evidence, data lineage, and authoritative data sources.
• Guide integration of platforms including NICE Actimize, LexisNexis Bridger, BioCatch, Prove, Socure, Bottomline Insider Threat, and comparable services.
• Embed cybersecurity, privacy, model risk, resilience, explainability, auditability, data governance, and evidence requirements into architecture decisions.
• Partner with Financial Crime, Fraud, Operations, Payments, Digital Identity, Cybersecurity, Data, Legal, Compliance, Model Risk, business, and technology stakeholders on dependencies, sequencing, vendors, governance, and lifecycle oversight.

Requirements

• Bachelor’s degree and at least 7 years of relevant work experience, or 11 combined years of higher education and/or relevant work experience in lieu of a degree.
• At least 7 years of experience in enterprise, solution, data, security, or application architecture, including at least 3 years supporting AML, KYC, sanctions, financial crime, digital identity, or fraud prevention capabilities.
• Experience integrating financial crime, fraud, identity, analytics, data, alerting, workflow, and case management platforms within a regulated environment.
• Experience developing target-state architectures, reference patterns, data and integration architectures, roadmaps, and transition plans.
• Working knowledge of architecture modeling and documentation practices, with effective communication across executive, business, risk, compliance, data, and engineering audiences.
• Experience evaluating vendors and technology options and translating business, regulatory, model risk, operational, data, and financial considerations into recommendations.
• Knowledge of AML, KYC, customer due diligence, beneficial ownership, sanctions, adverse media, transaction monitoring, fraud typologies, digital identity, data architecture, analytics, AI/ML architecture, APIs, microservices, event-driven architecture, Kafka, Azure, Snowflake, and Databricks.
• Knowledge of applicable frameworks and guidance including BSA/AML, OFAC, FinCEN, FATF, the USA PATRIOT Act, GLBA, privacy obligations, and relevant FFIEC guidance.

Nice to have

• Experience with NICE Actimize, LexisNexis Bridger, BioCatch, Prove, Socure, Bottomline, or comparable AML/KYC, sanctions, fraud, identity, behavioral analytics, or case management platforms.
• Experience with model validation, performance monitoring, explainability, false-positive reduction, graph analytics, entity resolution, or investigator feedback loops.
• Experience within a large financial institution with complex regulatory, legacy, data lineage, cybersecurity, and operational resilience requirements.
• Familiarity with enterprise architecture methods and tools including capability models, value streams, roadmaps, and architecture repositories.

Culture & Benefits

• Hybrid work arrangement with required on-site presence in Buffalo one week per month.
• Compensation is market-informed and determined by the successful candidate’s knowledge, skills, and experience within the stated annual range.
• Architecture work supports responsible innovation, regulatory alignment, resilience, and sustainable growth.