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M&T Bank

Full-service banking with mortgage, deposits, loans

Business Systems Analyst 3 - Product & Pricing

Full-TimeUpdated on 10/23/2026
$29.90 - $49.84/hr
Mid
Bachelor's
Buffalo, NY, USA
HybridFour days onsite in Buffalo and one day per week working from home.
Business & StrategyBusiness Analysis

About the job

Requirements
  • Combined minimum of 4 years of higher education and/or operational or business analytics experience.
  • Experience gathering, analyzing, documenting, validating, and managing business and system requirements throughout a project.
  • Ability to understand connected applications, data flows, files, batch processes, APIs, interfaces, and system dependencies.
  • Experience with test planning, test execution, defect review, implementation readiness, and production validation.
  • Strong problem-solving ability, including investigating issues, identifying gaps, evaluating conflicting information, and recommending practical next steps.
  • Clear written and verbal communication skills, including leading discussions and explaining risks and decisions to technical and nontechnical audiences.
  • Strong organization and follow-through, with the ability to manage several moderately complex efforts with limited supervision.
  • Ability to work effectively with business partners, engineers, architects, operations teams, control partners, and vendors.
Responsibilities
  • Lead requirements and analysis for enhancements, regulatory changes, production fixes, modernization efforts, and other moderately complex work.
  • Write and maintain business and functional requirements, user stories, acceptance criteria, process flows, data mappings, interface requirements, test case management, and decision records.
  • Understand how work moves across APIs, microservices, batch jobs, inbound and outbound files, source systems, vendor platforms, and downstream applications.
  • Lead discovery, backlog refinement, design, testing, implementation-readiness, and follow-up discussions with business and technology teams.
  • Work with engineers and architects to identify dependencies, constraints, integration impacts, environment needs, security concerns, resiliency needs, and operational impacts.
  • Translate business needs into clear, workable requirements and ensure proposed solutions address the original need.
  • Act as the functional lead for assigned applications or initiatives and help less experienced analysts build their domain and delivery-process knowledge.
  • Work directly with external vendors to answer questions, close requirement gaps, review designs and configurations, validate deliverables, and coordinate dependencies.
  • Help build and coordinate test plans, test cases, expected results, test data, requirements coverage, and evidence for system, integration, regression, and user acceptance testing.
  • Perform or support testing, coordinate defect review, confirm fixes, report testing status, and ensure open issues are resolved or accepted before implementation.
  • Evaluate how changes affect connected applications and work with upstream and downstream teams to confirm ownership, schedules, interface changes, and overall readiness.
  • Support required SDLC and release work, including permits, production-readiness evidence, release packages, implementation and validation plans, backout plans, change records, and audit documentation.
  • Keep scope, milestones, risks, issues, assumptions, dependencies, decisions, and action items current in Jira, ServiceNow, and other team tools.
  • Support cloud migration and application lifecycle work, including environment readiness, infrastructure and connectivity needs, cybersecurity reviews, resiliency, disaster recovery, data migration, and application retirement.
  • Coordinate implementation activities, confirm changes worked as expected in production, gather feedback, and follow issues through resolution.
  • Help investigate production issues by reviewing process results, data flows, logs, monitoring, file transmissions, and system or vendor dependencies.
  • Build working knowledge of product catalogs, deposit products, rates, fees, offers, waivers, relationship pricing, and supporting data and processes.
  • Manage several priorities with limited supervision and raise delivery risks, unclear ownership, or unresolved decisions early.
  • Follow company risk, regulatory, and control standards and raise issues requiring management attention.
  • Help address audit, regulatory, risk, and control findings in a timely manner.
  • Support an inclusive work environment and represent the M&T Bank brand.
  • Complete other related duties as assigned.
Desired Qualifications
  • Bachelor’s degree in business, information systems, computer science, engineering, or a related field.
  • Experience in banking or financial services, especially with deposit products, product catalogs, pricing, rates, fees, offers, waivers, or relationship pricing.
  • Experience with Zafin or another product and pricing platform.
  • Experience working with APIs, microservices, SFTP or managed file transfer, data mappings, scheduled batch processing, and system integrations.
  • Experience working with vendor-supported platforms and coordinating across vendor and internal technology teams.
  • Experience with Agile delivery and tools such as Jira and Confluence.
  • Experience with change and release processes in ServiceNow or a similar tool.
  • Experience with Azure or other cloud modernization work, including connectivity, environment readiness, monitoring, resiliency, or migration planning.
  • Familiarity with monitoring tools such as Kibana, Dynatrace, Azure Application Insights, or similar products.
  • Familiarity with GitLab or similar source control and delivery tools.
  • Knowledge of SDLC controls, cybersecurity reviews, disaster recovery, audit evidence, and technology work in a regulated environment.
  • Ability to provide stakeholders and management with clear, concise updates on status, risks, decisions, and recommended next steps.

About the company

M&T Bank is a full-service financial institution that offers a wide range of banking solutions for individuals, small businesses, and larger enterprises. Its products include personal and business checking accounts, mortgage assistance programs, loans, deposits, investment products, and mobile banking. The bank serves mainly customers in the Northeastern and Mid-Atlantic United States and emphasizes community engagement and customer-focused service. It generates revenue from interest income, fees, and service charges tied to loans, deposits, and other financial products. The company’s recent merger with United Bank, N.A. expands its footprint and enhances its service offerings. The goal is to provide accessible financial services to communities while growing its market presence and deepening local connections.

Company Size

10,001+

Company Stage

IPO

Headquarters

Buffalo, New York

Founded

1993

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Simplify's Take

What believers are saying

  • On July 15, 2026, M&T reported record quarterly EPS of $5.32.
  • Average loans rose $3.0 billion in Q2 2026, led by commercial lending and CRE.
  • M&T repurchased $465 million of stock in Q2 2026 while CET1 stayed 10.19%.

What critics are saying

  • Average deposits fell $0.7 billion in Q2 2026, tightening funding and forcing pricier borrowings.
  • Commercial real estate balances reached $24.5 billion; 2027 refinancing stress hits credit costs and earnings.
  • A severe CRE downturn forces reserve spikes, buyback cuts, and capital-trapping regulation through 2027.

What makes M&T Bank unique

  • M&T Bank’s Q2 2026 balance sheet paired $168.9 billion deposits with $141.4 billion loans.
  • Ninety percent of C&I businesses grew quarter-over-quarter in Q2 2026, proving deep relationship banking.
  • The People’s United merger expanded M&T’s Northeast-Atlantic branch and deposit footprint after 2022.

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Benefits

  • 401(k) Company Match
  • 401(k) Retirement Plan
  • Flexible Work Hours
  • Hybrid Work Options
  • Paid Vacation
  • Paid Holidays
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Disability Insurance
  • Health Savings Account/Flexible Spending Account

Growth & Insights and Company News

6 month growth

0%

1 year growth

11%

2 year growth

11%
Yahoo Finance
Oct 18th, 2026
M&T Bank Q3 net income falls to $732M as costs rise and margin slips to 3.65%

M&T Bank reported third-quarter 2026 net income of $732 million, down from $754 million a year earlier. Its shares slipped about 1.5% on the first trading day after the release. Revenue edged up to $2,401 million from $2,388 million. Basic earnings per share rose to $5.08 from $4.85, while net interest margin narrowed to 3.65% from 3.68%. Costs weighed on results. Noninterest expense rose to $1.39 billion, deposit costs climbed to 2.05%, and the cost-to-income ratio reached 54.4%. Capital stayed solid. The bank's CET1 ratio was 10.16% after $323 million of buybacks, and operating return on tangible common equity was 17.3%.

Yahoo Finance
Oct 16th, 2026
M&T Bank hits record SBA 7(a) lending, ranks fifth nationally as market softens; $5B buyback approved

M&T Bank reported record SBA 7(a) loan volume and dollar amounts in its history. It ranked first in fiscal year 2026 by number of loans across its communities and rose to fifth nationally among SBA 7(a) lenders. The result comes as national SBA 7(a) activity pulled back. It marks 18 consecutive years as a leading SBA lender for the bank. On March 30, the board authorised share repurchases of up to $5,000 million. Management intends to run a CET1 ratio toward the lower end of the 10% to 10.5% range. Risks remain, including funding costs, deposit mix, and high noninterest expenses.

MarketScreener
Oct 2nd, 2026
NETSTREIT Corp. Announces $550.0 Million in Additional Financing Commitments and Amendments to Existing Credit Facilities

NETSTREIT Corp. announced the closing of $550.0 million in additional financing commitments and amendments to its existing credit facilities agented by PNC Bank, National Association , Wells Fargo...

TipRanks
Sep 18th, 2026
Constellation Brands secures $300M delayed draw term loan for corporate flexibility

Constellation Brands has entered into a new term loan credit agreement worth up to $300 million with Manufacturers and Traders Trust Company and other lenders. The delayed draw facility, established on 18 September 2026, will be used for general corporate purposes, including potential debt repayment. The two-year term loans carry interest linked to Term SOFR or a base rate with rating-based margins. Unused commitments will incur a ticking fee beginning 30 days after closing. The agreement includes covenants that mirror the company's existing revolving credit facility. These impose limits on subsidiary indebtedness, liens, mergers, affiliate transactions, and sale-leasebacks, whilst requiring minimum interest coverage and maximum net leverage ratios. The structure is designed to reinforce Constellation Brands' financial flexibility and balance-sheet management.

Yahoo Finance
Sep 15th, 2026
M&T Bank gains 18% YTD, outpacing Nasdaq amid strong loan growth and rising net interest income

M&T Bank Corporation has outperformed the Nasdaq Composite over recent periods, with shares gaining 18% year-to-date and 19.6% over the past 52 weeks, compared to the Nasdaq's 12.7% and 18.3% returns respectively. Over the past three months, the Buffalo-based bank's shares rose 2.6% against the Nasdaq's 1.2% gain. The outperformance follows strong second-quarter results reported in July, with record earnings per share of $5.32, up 25.5% year-on-year. Taxable-equivalent net interest income increased 4.8% to $1.80 billion, whilst total average loan balances grew 4.4%. Nonaccrual loans fell 23.2% to $1.2 billion, indicating improved asset quality. M&T Bank has a market capitalisation of approximately $34.6 billion.