This role is four days onsite at our Seneca One Buffalo, NY location, with the flexibility to work from home one day per week Position Summary The BSA is a senior-level subject matter expert responsible for providing business, functional, and analytical leadership supporting BSA/AML business stakeholders and technology teams, translating complex financial-crimes processes and requirements into effective business and technology solutions. The role provides expertise across BSA/AML investigations, case management, Suspicious Activity Reports (SARs), digital assets, blockchain and wallet-related financial crime considerations, AI-assisted analysis, and platform modernization/migration initiatives. Key Responsibilities BSA/AML & Financial Crimes Expertise Serve as a senior BSA/AML subject matter expert supporting financial-crimes technology and business initiatives. Independently lead complex analysis, identify business and technology impacts, contribute to solution design, support testing and implementation Provide functional and subject matter expertise covering BSA/AML processes, investigations, alerts, cases, and regulatory reporting. Partner with BSA/AML Operations, Compliance, Technology, Product, Risk, and other stakeholders to analyze business needs and translate them into comprehensive requirements. Identify business, operational, regulatory, data, and technology dependencies associated with proposed changes. Provide guidance throughout requirements, design, development, testing, implementation, and post-production validation. Evaluate the downstream impact of changes across integrated applications, data sources, reporting, and operational processes. Develop and maintain working knowledge of financial-crime considerations associated with digital assets, blockchain technologies, and digital wallets. Support analysis of financial-crimes use cases involving blockchain-based transactions and digital-asset activity. Stay current with evolving digital-asset and financial-crimes trends relevant to assigned responsibilities. Business & Functional Analysis Lead requirements elicitation and analysis for BSA/AML technology initiatives. Develop clear and detailed Business requirements, Functional requirements, User stories, Process flows, Data requirements/mapping, Use cases and Test scenarios. Conduct impact and gap analyses for proposed system changes. Facilitate discussions to elicit business requirements and communicate requirements, risks, dependencies, and impacts clearly to technical and non-technical audiences. Identify and resolve missing, conflicting, or ambiguous requirements. Partner with technical teams for proposed solutions. Participate actively in Agile planning, backlog refinement, demonstrations, and implementation activities. Develop comprehensive business test scenarios and acceptance criteria. Partner with QA, automation testing and engineering teams to ensure tests adequately cover business requirements. Support functional, system-integration, regression, and user-acceptance testing. Assist with defect triage by analyzing business impact and expected behavior. Help establish traceability between requirements, development outcomes, test scenarios, data integrity, and implementation results. Analyze data and system behavior to support requirements, testing, troubleshooting, and production issue analysis. Work with technical teams to understand source-to-target data relationships and application dependencies. Coordinate effectively across multiple technology and business teams on complex initiatives. Demonstrate proficiency with AI tools and apply them responsibly to improve productivity and quality. Validate AI-generated results for accuracy, relevance, completeness, security, and alignment with established requirements before use. Identify appropriate opportunities to incorporate AI-assisted practices into existing analysis and testing processes. Education and Experience Required: Minimum of 6 years combined higher education and/or operational/business analytics experience in BSA/AML Domain BSA/AML Financial-crimes investigations Case management SAR-related processes and workflows Alert and case lifecycle Financial-crimes technology Business and functional requirements analysis Emerging Financial-Crimes Capabilities Digital assets Blockchain Digital wallets Proficiency with AI-assisted tools Business impact analysis Gap analysis Data and functional validation Regression and UAT support Cutover and post-implementation validation Preferred Qualifications Significant experience working with BSA/AML, financial-crimes, compliance, or supporting technology organizations. Banking or financial-services experience. Experience supporting enterprise BSA/AML or financial-crimes platforms. Demonstrated ability to operate independently on complex, cross-functional initiatives. Strong business and systems-analysis capabilities. Experience translating business requirements into actionable technology requirements. Strong analytical, problem-solving, and organizational skills. Experience working in Agile technology-delivery environments. Ability to communicate effectively with investigators, business stakeholders, Product Owners, developers, architects, testing teams, and technology leadership. Ability to analyze complex processes and clearly document requirements, dependencies, business rules, and expected outcomes. Experience working with business-critical applications and complex enterprise integrations. Knowledge of digital-asset and blockchain-related financial-crimes considerations. Hands-on experience with financial-crimes case-management solutions. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $85,800.00 - $143,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&T’s Human Capital Report to learn more. Ready to join our team? Submit your application today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at [email protected] for assistance. M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace. Career Site Privacy Notice

Senior BSA – BSA/AML & Financial Crimes Technology.

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