Full-Time
Head of Commercial Digital Channels Product
Updated on 9/9/2026
M&T Bank
10,001+ employees
Full-service banking with mortgage, deposits, loans
Compensation Overview
$154.7k - $257.9k/yr
Buffalo, NY, USA
In Person
The position can sit anywhere in the M&T footprint.
Bachelor's, Master's, MBA
 Product (1) |
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- A Bachelor's degree and at least 12 years of experience in Business, Technology, Finance, Engineering, and/or relevant product lines, or, in lieu of a degree, a combined minimum of 16 years of higher education and/or work experience including at least 12 years in those areas.
- At least 7 years of managerial and/or project management experience in relevant product lines.
- Strong financial analysis skills, including cash flow and components of product profitability.
- Excellent developmental, analytical, and research skills.
- An 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.
- Define and execute the strategic vision for the commercial digital channels platform.
- Develop multi-year product roadmaps aligned with commercial banking growth objectives.
- Lead product innovation initiatives that improve client acquisition, retention, engagement, and satisfaction.
- Drive modernization of digital platforms, connectivity services, and client experiences.
- Establish product performance metrics, adoption goals, and financial targets.
- Own the strategy and evolution of commercial banking portals and client-facing digital experiences.
- Enhance usability, self-service functionality, entitlements, workflow management, and client administration experiences.
- Guide platform evolution and vendor management activities related to commercial portal and mobile solutions.
- Drive digital experience improvements based on client feedback, analytics, and market trends.
- Ensure products comply with regulatory, legal, risk, and information security requirements.
- Partner with Risk, Compliance, Fraud, and Information Security teams throughout the product lifecycle.
- Maintain governance and third-party risk management practices.
- Develop business cases and investment recommendations for executive leadership.
- Manage product P&Ls, revenue targets, and investment budgets.
- Measure and communicate business performance through key product metrics and executive reporting.
- Identify opportunities to increase digital engagement and deepen client relationships.
- Directly manage a team of five Product Managers.
- Establish product management best practices, governance, and operating models.
- Coach, develop, and mentor product talent.
- Lead prioritization and resource allocation across multiple strategic initiatives.
- Lead product strategy for ERP and financial software integrations.
- Expand connectivity capabilities across leading platforms based on client needs.
- Partner with fintech providers and ecosystem partners to deliver integrated banking experiences.
- Improve implementation efficiency, client onboarding, and operational resiliency.
- Define commercial API strategy and commercialization plans.
- Develop API monetization frameworks and adoption strategies.
- Partner with technology teams on API architecture, governance, standards, and security.
- Own product strategy for commercial developer portals and digital integration experiences.
- Improve onboarding and support experiences for corporate developers, fintech partners, and ERP providers.
- An MBA or advanced degree.
- At least 12 years of product management, treasury management, payments, digital banking, or financial technology experience.
- At least 5 years leading and developing product management teams.
- Experience managing commercial digital banking portals and treasury management platforms.
- Experience with commercial portal solutions such as Bottomline, FIS, Fiserv, Q2, ACI, or comparable platforms.
- Experience developing and managing API products and digital connectivity services.
- Experience with ERP and accounting software integrations.
- Experience managing file transmission services, host-to-host connectivity, Secure File Transfer Protocol, and client integration solutions.
- Demonstrated success managing large-scale digital transformation initiatives.
- Strong executive communication and stakeholder management skills.
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
- Q2 2026 revenue reached $2.52 billion, beating consensus and rising 4.9% year over year.
- Q2 2026 net income hit $818 million, while net charge-offs declined to $80 million.
- A July 2026 app update added smoother navigation, biometric login, and configurable alerts.
What critics are saying
- Commercial real estate grew $1.1 billion in Q2 2026, increasing credit-cycle exposure.
- CET1 fell to 10.19% after $1.25 billion buybacks and $465 million repurchases.
- Fintech lenders and digital-first banks pressure fee income, deposits, and branch economics by 2027.
What makes M&T Bank unique
- M&T pairs regional deposits with commercial lending across the Northeast and Mid-Atlantic.
- Its 2026 mobile app refresh strengthens sticky retail relationships and daily transaction usage.
- Decades of community banking and multilingual branch programs deepen local trust and cross-sell opportunities.
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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
↑ 10%1 year growth
↑ 10%2 year growth
↑ 10%Regional banks delivered mixed second-quarter results, with revenues matching analyst expectations on average. M&T Bank reported revenues of $2.52 billion, up 4.9% year on year and exceeding consensus estimates by 1.9%. The bank also beat earnings per share projections and narrowly surpassed net interest income forecasts. Despite the strong quarter, M&T Bank's shares fell 1.3% following the announcement, trading at $238.67. The decline suggests investor expectations may have been higher than published Wall Street projections. Regional banks as a group have struggled, with share prices down an average of 1.5% since their latest earnings releases. These institutions face challenges including fintech competition, deposit outflows, credit deterioration, regulatory costs, and concerns about commercial real estate exposure following recent high-profile bank failures.
Charles River Associates has expanded its credit facility to $400 million through a six-bank lending syndicate. The five-year agreement includes a $75 million term loan and a $325 million revolving credit facility, replacing a previous $300 million facility set to mature in August 2027. The revolving facility can be reduced to $250 million between 16 July and 15 January each year when working-capital requirements are lower. CRA will use proceeds to repay outstanding borrowings, support working capital, fund growth investments, and cover general corporate purposes. The lending group includes Bank of America, Citizens Financial Group, Eastern Bank, and Beacon Bank & Trust, with BMO and M&T Bank joining as new lenders. The expanded facility provides additional liquidity as the consulting firm invests in its global economic, financial, and management advisory operations.
Merritt Properties has secured a $621 million refinancing loan for a portion of its 58-asset Maryland Industrial Portfolio.
M&T Bank Corporation recently completed a US$600 million callable preferred depositary share offering, sold in two tranches totaling 24,000,000 shares at US$25 each, with multiple major banks, including J.P. Morgan, BofA Securities and others, acting as co‑lead underwriters. Around the same time, M&T Bank reported higher second‑quarter 2026 net interest income of US$1,792 million and net income of US$818 million, while also reducing net charge‑offs to US$80 million and completing a US$465...
HEICO Corporation has closed a $1.2 billion senior notes offering, comprising $550 million in 4.950% notes due 2031 and $650 million in 5.400% notes due 2036. The aerospace and defence company will use the proceeds to pay down borrowings under its $2.2 billion revolving credit agreement, maintaining capacity for future acquisitions. Co-Chairmen Eric and Victor Mendelson said the notes received investment grade ratings, building on HEICO's inaugural issuance in 2023. Chief Financial Officer Carlos Macau noted the offering expands the company's capital sources and provides greater flexibility for continued growth. HEICO designs and produces products for aviation, defence, space, medical, telecommunications and electronics industries through its Flight Support Group and Electronic Technologies Group.