M&T Bank Corporation

Deposit and Liquidity Product Team Leader

M&T Bank Corporation$154K — $257K *
Finance & Insurance
11 - 15 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree with 12+ years in treasury management or commercial payments; or 16+ years of experience in lieu of a degree.
  • 7 years of managerial or project management experience in relevant product lines.
  • Strong financial analysis skills and understanding of product profitability.
  • Excellent communication and presentation skills.
  • Demonstrated principled leadership and customer service focus.

Responsibilities

  • Define and execute liquidity and deposit product strategy aligned with bank objectives.
  • Drive growth in core operating deposits across target segments.
  • Develop value propositions to enhance client relationships.
  • Manage the lifecycle of liquidity products, ensuring operational simplicity and risk management.
  • Support the pricing framework balancing client competitiveness and profitability.
  • Enhance digital capabilities for treasury solutions and evaluate emerging opportunities.
  • Lead, mentor, and develop a team of product managers.

Benefits

  • Comprehensive health insurance and wellness programs.
  • Generous paid time off and flexible work arrangements.
  • Retirement savings plan with company matching contributions.
  • Professional development opportunities and training programs.
  • Employee discounts and community engagement initiatives.
Full Job Description
Overview:

This role is responsible for shaping and executing the bank's liquidity product strategy across commercial, corporate, and institutional clients, driving growth in core deposits while delivering best-in-class treasury solutions.

As a key leader within Treasury Management, this individual will partner closely with Relationship Managers, Treasury Sales, CPLS Pricing, IT, Operations, Finance, and Risk to optimize M&T's deposit franchise, enhance client experience, and support disciplined balance sheet growth. The role emphasizes M&T's relationship-first culture, prudent risk management, and long-term value creation.

Primary Responsibilities:

1. Liquidity Product Strategy & Franchise Growth
  • Define and execute a forward-looking liquidity and deposit product strategy aligned with M&T's balance sheet objectives and relationship banking model
  • Deliver capabilities that drive growth in core operating deposits across middle market, commercial, and large corporate segments
  • Develop differentiated value propositions to deepen client relationships and increase share of wallet


2. Product Ownership & Lifecycle Management
  • Lead end-to-end management of liquidity products including:
  • Commercial deposits (DDA, MMDA)
  • Sweep solutions
  • Virtual accounts and escrow
  • Cash concentration and account structures
  • Continuously enhance product offerings to meet evolving client needs while maintaining operational simplicity and risk discipline
  • Prioritize product investments aligned with client value and return on capital


3. Pricing & Commercial Enablement
  • Support the CPLS Pricing team in establish pricing frameworks that balance client competitiveness with profitability and funding value
  • Equip Treasury Sales and Relationship Managers with tools, insights, and positioning to effectively sell liquidity solutions
  • Partner with Sales Leadership to drive disciplined pricing and consistent client experience


4. Client-Centric Innovation
  • Enhance digital and self-service capabilities within M&T Treasury Center and online banking platforms
  • Develop and execute strategies to leverage API-enabled liquidity solutions through integrations with client ERP and TMS platforms
  • Evaluate and support emerging opportunities (e.g., embedded treasury, digital assets) consistent with M&T's measured innovation approach


5. Risk, Governance & Regulatory Alignment
  • Ensure all products adhere to M&T's strong risk management culture and regulatory expectations
  • Partner closely with Risk, Legal, Compliance, and Audit to maintain robust product governance
  • Support regulatory assurance activities for the deposit product portfolio


6. Leadership & Culture
  • Lead, mentor, and develop a team of product managers
  • Promote a collaborative, accountable, and client-focused culture aligned with M&T's core values
  • Serve as a senior thought leader internally and represent M&T externally on liquidity and deposit trends


Key Competencies:
  • Relationship-driven leadership and client focus
  • Strong financial and balance sheet acumen
  • Strategic thinking paired with disciplined execution
  • Risk awareness and sound judgment
  • Cross-functional collaboration and influence
  • Data-driven decision-making


Success Metrics:
  • Growth and retention of core commercial deposits
  • Liquidity product revenue and contribution to net interest income
  • Client satisfaction and treasury product penetration
  • Adoption of digital liquidity capabilities
  • Strength of risk and control environment

Education and Experience Required:
  • Bachelor's degree, and a minimum of 12 years' experience in treasury management, liquidity, or commercial payments and/or relevant product line(s), or in lieu of a degree a combined minimum of 16 years' higher education and/or work experience, including a minimum of 12 years' experience in treasury management, liquidity, or commercial payments and/or relevant product line(s).
  • 7 years managerial and/or project management experience in relevant product line(s).
  • Strong financial analysis skills, including cash flow and components of product profitability.
  • Excellent developmental, analytical and research skills.
  • Extensive network of industry and client contacts on a national scale and extensive market intelligence.
  • Industry-specific knowledge.
  • Excellent verbal and written communication and interpersonal skills.
  • Strong presentation skills.
  • Demonstrated principled leadership skills with sound business ethics.
  • Dedicated customer service focus. Ability to use expert resources when necessary.


Education and Experience Preferred:
  • Deep expertise in deposit products, sweep structures, virtual account management (VAM) platforms, integrated 3rd party liquidity or TWS platforms, and other cash management solutions
  • Demonstrated experience managing product P&L and delivering measurable growth outcomes
  • Strong understanding of bank balance sheet dynamics, funding strategy, and interest rate environments
  • Experience working in a relationship-driven regional or super-regional bank environment
  • Familiarity with M&T's core platforms (or similar treasury and deposit systems)
  • Exposure to real-time payments, API banking, and digital treasury platforms
  • MBA or advanced degree in Finance, Business, or related discipline


M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $154,700.00 - $257,900.00 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

About M&T Bank Corporation

M&T Bank is a financial holding company headquartered in Buffalo, New York. M&T's principal banking subsidiary, M&T Bank, operates banking offices in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia. Trust-related services are provided by M&T's Wilmington Trust-affiliated companies and by M&T Bank. M&T Bank traces its origins to the founding of Manufacturers and Traders Bank in Buffalo, New York. As a result of mergers, acquisitions, and name changes, M&T Bank Corporation's principal bank is now known as Manufacturers and Traders Trust Company or M&T Bank. M&T Bank reorganized under a bank holding company in 1969 called First Empire State Corporation. The name was changed in 1998 to M&T Bank Corporation, whose common stock is listed on the New York Stock Exchange and trades under the symbol "MTB."

M&T Bank Corporation Careers

Join the vibrant team at M&T Bank Corporation, a leading financial institution where innovation meets tradition, offering a plethora of job opportunities across various sectors. As one of the most respected banks in the nation, M&T Bank Corporation is the perfect place to jumpstart or advance your career in the financial services industry.

Work You’ll Do

At M&T Bank Corporation, you will be part of a culture that cherishes diversity, leadership, and professional growth. Engage in work that makes a real difference in the community while fostering your career development through comprehensive training programs and diverse learning opportunities.

Innovate and Lead

Embrace the chance to work on projects that integrate cutting-edge financial technologies with robust, traditional banking practices. M&T Bank Corporation is at the forefront of the financial industry, offering innovative solutions that redefine banking standards. Our leadership in the market is driven by a commitment to excellence and continuous improvement.

Career Growth and Opportunities

Whether you are looking for an entry-level position or a more senior role, M&T Bank Corporation provides a dynamic pathway for career advancement. With a variety of job opportunities ranging from internships to full-time positions, you can find the perfect match for your skills and ambitions. Our team is dedicated to helping you navigate your career path with tailored development plans and leadership training.

Join Our Team

Explore job opportunities and join a team that values hard work, creativity, and strategic thinking. M&T Bank Corporation is hiring professionals who are passionate about finance and eager to contribute to a team-oriented environment. Enhance your skills through hands-on experience and ongoing professional development.

Networking and Professional Development

At M&T Bank Corporation, networking and professional development are part of our DNA. Connect with industry leaders, participate in high-impact networking events, and take advantage of our mentorship programs. Our employees benefit from a supportive network that boosts their career trajectories and fosters meaningful professional relationships.

Benefits and Culture

Enjoy a comprehensive benefits package that supports both your professional and personal life. M&T Bank Corporation offers competitive salaries, health benefits, and retirement plans designed to ensure the well-being of our team members and their families. Experience a supportive and inclusive culture where every employee is valued and given the opportunity to thrive.

How to Apply

Ready to take the next step in your career? Visit the M&T Bank Corporation Careers page to browse current openings, submit your resume, and prepare for your interview. We are excited to see how your skills and ideas can contribute to our continued growth and success.

Stay Connected

Keep up to date with the latest from M&T Bank Corporation by following our careers blog. Gain insights from our experts and stay informed about new job openings and upcoming networking events. Join M&T Bank Corporation today and be part of a team that is dedicated to growth, innovation, and leadership in the banking industry. Your future starts here!
Learn more about M&T Bank Corporation
Size
17,115 employees
Market Cap
$25.2 billion
Industry
Net Income
$1.3 billion
Founded
1868
5 Year Trend
+0.2%
NASDAQ

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