Deposit and Liquidity Product Team Leader

Overview:

M&T Bank is seeking a seasoned and strategic leader to serve as Head of Liquidity Product Management within our Commercial Banking organization. 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…