Compliance Testing Analyst II (Lending Compliance Testing)

Location: Hybrid, with in-office work four days per week and one remote day possible at a corporate office in Buffalo, NY; Bridgeport, CT; Baltimore, MD; Boston, MA; or Wilmington, DE.

Salary: $62,200–$103,600 annual USD.

Company

M&T Bank is a financial services institution with lending businesses across Mortgage, Consumer, Commercial, and Business Banking.

What you will do

• Execute risk-based compliance testing engagements in line with department and professional standards.
• Plan and perform control and substantive testing, review test work, and evaluate results for control weaknesses and testing exceptions.
• Assess business-unit processes and controls, document higher-complexity test scripts, and provide risk-focused input on testing effectiveness and efficiency.
• Obtain process and control information from multiple organizational levels and collaborate with cross-functional testing teams and business units.
• Review findings with testing management and compliance officers, identify issues requiring escalation, and support timely remediation of audit and regulatory findings.
• Maintain regulatory and risk-control knowledge, manage multiple assignments and deadlines, and serve as a resource to junior compliance team members.

Requirements

• Bachelor’s degree in a business-related curriculum and at least 2 years of relevant Compliance, Audit, or Risk Management experience; alternatively, 6 years of combined higher education and/or work experience, including 2 years of relevant experience.
• Fundamental understanding of financial services functions.
• Knowledge of regulatory requirements relevant to the assigned portfolio.
• Strong interpersonal, written, verbal, organizational, and analytical skills.
• Ability to work collaboratively, communicate effectively with management and business units, exercise independent judgment, and operate under minimal supervision.
• Proficiency with personal computers and relevant software packages.

Nice to have

• Financial services 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.

Culture & Benefits

• Hybrid work arrangement with four required in-office days and one possible remote day each week.
• Collaborative testing environment with contact across multiple organizational levels and lending business units.
• Work under the direction of a Compliance Testing Manager with substantial responsibility for independent judgment and risk-based analysis.
• Commitment to belonging, internal control standards, regulatory compliance, and the M&T Bank brand.