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Consumer Operations & Risk Expert

Overview:  
Provides operational and risk support and training to branch staff in an assigned area. Provides branch staff guidance on proper branch operating procedures and processes to support adherence to Bank policy and risk and regulatory requirements. Coaches staff within assigned area around problem solving and developing their skills for self-sufficiency with understanding and executing on branch procedures and processes. Supports fraud prevention initiatives and liaisons with internal fraud departments to ensure branch staff is educated to recognize and prevent fraudulent losses.

 

Primary Responsibilities:

  • Provide guidance, training and coaching to branch personnel regarding risk and operational policies and procedures to support adherence to them. 
  • Maintain thorough working knowledge of the branch audit process & operational procedures to support completion of responsibilities as there is considerable loss potential including regulatory penalties if these audits are not properly completed, and audit exceptions are not escalated.
  • Support branch employees in developing problem-solving skills to make appropriate risk management decisions on a daily basis Developing problem solving skills and utilizing appropriate resources for branch self-sufficiency.
  • Provide branch-specific or one-on-one coaching and conduct informational sessions for branch employees to correct specific behaviors or issues and ensure adherence to established procedures and document summary of findings. (moved higher in priority)
  • Identify and escalate behaviors that pose risk (or of concern) to appropriate partners for action.
  • Participate and facilitate in regular meetings with key branch partners and leadership as appropriate to deliver presentations. Ensure participants understand and are current on all operational changes and have a complete understanding of branch procedures.
  • Respond to large losses and robberies, including managing the on-site follow-up with the branch, and ensuring the checklist required by Corporate Security is complete, as assigned. 
  • Serve as a Retail Bank resource and point of contact for Bank wide programs, committees, bank-wide initiatives as well as regionally specific projects. Work with and build partnerships with internal partners.
  • Manage the implementation of operational tasks related to new branch openings, consolidations and relocation as required to ensure they are executed.
  • Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. 
  • Identify risk-related issues needing escalation to management and document as appropriate.
  • Promote an environment that supports diversity and reflects the M&T Bank brand. 
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. 
  • Complete other related duties as assigned. 

 
Scope of Responsibilities:  

As part of on-going branch risk ranking and audit activities, the position interacts extensively with branch staff and Retail Risk Management team, Retail leadership, Centralized Branch Operations, Security, Human Resources, Training and other support departments/areas on policy and procedural related issues.


The position independently and proactively carries out defined responsibilities of the role including scheduling branch visits on-site and virtual within required timeframes. Coaching around branch activities, discussion regarding findings, immediate escalation of any issues to minimize risk and non-compliance while ensuring all branch employees have proper access.


Supervisory/ Managerial Responsibilities:

Not applicable. 
 
Education and Experience Required:  
Bachelor's degree and a minimum of 3 years' proven and progressive branch and/or audit experience, or in lieu of a degree, a combined minimum of 7 years' higher education and/or work experience, including a minimum of 3 years' proven and progressive branch, operations and/or audit experience. 
Demonstrated interpersonal and verbal and written communication skills. 
Strong analytical & technical skills. Excellent problem-solving abilities. 
Ability to maintain strong working relationships with management and branch staff. 
Ability to spend a significant amount of time traveling to and working in assigned branch locations. 
Strong time management and organizational skills. 

Excellent presentation skills (creating, facilitating and delivering.)

 

 
Education and Experience Preferred:  
Experience in completing audits. 
Working knowledge of pertinent Bank processing systems. 
Experience with Internet and web applications. 
Detail oriented and ability to handle multiple tasks at a time. 
Knowledge of branch policies and procedures. 
Retail branch banking or operations experience. 

 

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $60,890.34 - $101,483.90 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Average salary estimate

$81186.5 / YEARLY (est.)
min
max
$60890K
$101483K

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What You Should Know About Consumer Operations & Risk Expert, MTB

Are you ready to make a real impact in the banking world? M&T Bank is seeking a Consumer Operations & Risk Expert to join our team in Binghamton, NY. In this role, you will provide operational and risk support to branch staff, ensuring effective adherence to our bank policies and regulatory requirements. Your main mission will involve coaching and training our branch personnel, enabling them to develop problem-solving skills necessary for managing risk on a daily basis. You will have the chance to lead informative sessions and direct one-on-one coaching to correct behaviors and foster compliance. As part of your responsibilities, you'll work closely with internal partners on fraud prevention initiatives, empowering staff to identify and prevent fraudulent activities. With your expertise, you will also manage the implementation of operational tasks associated with new branch openings and consolidations, guaranteeing that all is executed seamlessly. Maintaining open lines of communication with branch leadership and conducting regular presentations about operational changes will be essential in your role. If you're passionate about banking, risk management, and helping others grow, this position at M&T Bank in Binghamton is the perfect place for you to shine and make a difference!

Frequently Asked Questions (FAQs) for Consumer Operations & Risk Expert Role at MTB
What are the primary responsibilities of the Consumer Operations & Risk Expert at M&T Bank?

The Consumer Operations & Risk Expert at M&T Bank is responsible for guiding branch personnel on risk and operational policies. This includes providing coaching and training, maintaining knowledge of branch audit processes, and supporting employees in developing problem-solving skills. Additionally, the expert must ensure compliance with bank procedures, participate in fraud prevention initiatives, and handle large losses and robberies efficiently.

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What qualifications do you need to become a Consumer Operations & Risk Expert at M&T Bank?

To qualify for the Consumer Operations & Risk Expert role at M&T Bank, candidates must have a Bachelor's degree and at least 3 years of branch or audit experience. Alternatively, a combination of 7 years of higher education and work experience, including 3 years of relevant experience, is acceptable. Strong interpersonal, analytical, communication, and problem-solving skills are also essential for success in this position.

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How does the Consumer Operations & Risk Expert support fraud prevention at M&T Bank?

The Consumer Operations & Risk Expert plays a crucial role in supporting fraud prevention at M&T Bank by educating branch staff on how to recognize and prevent fraudulent losses. The expert collaborates with internal fraud departments, ensuring that the team is well-prepared to identify suspicious activities and react appropriately to minimize risk.

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What does the training process look like for branch personnel guided by the Consumer Operations & Risk Expert?

The training process for branch personnel led by the Consumer Operations & Risk Expert at M&T Bank includes one-on-one coaching, conduct of informational sessions, and ongoing support to address specific behaviors or issues. This personalized approach helps ensure that all employees develop a comprehensive understanding of branch procedures and comply with established operational policies.

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What skills are essential for a Consumer Operations & Risk Expert at M&T Bank?

Essential skills for a Consumer Operations & Risk Expert at M&T Bank include strong analytical and technical abilities, excellent problem-solving skills, and the capability to maintain strong working relationships with management and staff. Additionally, solid time management, organizational skills, and presentation skills for creating and delivering training sessions are vital for success in this role.

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Common Interview Questions for Consumer Operations & Risk Expert
Can you describe your experience with branch operations and audits?

In answering this question, detail your previous roles in branch operations, focusing on specific tasks you performed related to audits. Highlight any experience with risk management processes, operational procedures, and compliance with banking regulations.

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How do you approach coaching staff on risk management?

Discuss your coaching style and methods for engaging staff in risk management practices. Emphasize the importance of tailoring your approach to individual learning styles and providing real-world examples that enhance understanding.

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What strategies do you use to identify and mitigate potential risks?

Provide examples of strategies you've implemented in previous roles, such as conducting risk assessments, regular audits, and engaging in open dialogue with branch employees to uncover concerns. Focus on your proactive approach to managing risks.

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How do you handle conflicts or issues that arise during branch operations?

In your response, outline your conflict resolution techniques, emphasizing communication and collaboration. Highlight specific instances where you successfully resolved conflicts to achieve positive outcomes for branch operations.

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What experience do you have with fraud prevention initiatives?

Share examples of your involvement in fraud prevention initiatives, detailing specific actions taken to educate staff and enhance security measures. Discuss the importance of ongoing training and vigilance in preventing fraud.

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How do you ensure compliance with operational procedures in a branch?

Discuss methods for ensuring compliance, such as conducting regular training, performance evaluations, and audits. Emphasize communication and support for staff to maintain adherence to operational protocols.

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Describe a time you had to present operational changes to branch staff.

Provide a specific example of a presentation you conducted, focusing on your preparation, the delivery of information, and how you engaged the staff. Highlight the outcomes of your presentation and any feedback received.

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What tools and technologies are you familiar with related to banking operations?

List relevant banking tools and technologies you've used, such as audit management software or systems for monitoring transactions. Explain how these tools enhance operational efficiency and risk management.

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How do you prioritize tasks when managing multiple branches?

Explain your organizational strategies for prioritizing tasks, such as creating checklists, utilizing project management software, and setting regular check-ins with branch teams to assess progress and adjust priorities.

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What is your approach to maintaining strong relationships with branch staff and management?

Describe your strategies for building relationships, such as regular communication, showing a genuine interest in staff's professional development, and fostering a collaborative environment that encourages open dialogue.

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EMPLOYMENT TYPE
Full-time, on-site
DATE POSTED
April 15, 2025

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