Enhanced Due Diligence Investigator-3CMES
Description
Together, M&T Bank and Wilmington Trust, a part of M&T Bank Corporation, represent one of
the country’s leading depository and lending franchises, a premier wealth advisory firm, and the
partner of choice for corporate transactions and structures. As one of strongest, most
successful companies in the U.S financial services industry, M&T continues to grow, offering
value to our shareholders and opportunity to qualified professionals. Join our team of over
15,000 professionals and you’ll understand what drives our longstanding success: a promise of
exceptional client service, a commitment to our communities, a focus on building long-term
relationships, and a dedication to being the best employer you’ll ever have.
M&T is currently expanding our Bank Secrecy Act/Anti-Money Laundering/Office of Foreign
Assets Control ("BSA/AML/OFAC") Operations Group and is seeking 70 experienced Enhanced
Due Diligence Investigators.
Basic Function
Responsible for assisting the Compliance Specialist II in ensuring adherence to State and
Federal regulatory compliance with the Bank Secrecy Act, USA PATRIOT Act and OFAC.
Interacts with business unit compliance personnel to ensure compliance with laws and
regulations. The position works within supervision of the BSA Compliance Specialist II or
BSA/AML/OFAC Operations Manager and is required to exercise independent judgment,
discretion and includes decision-making in lieu of the BSA Compliance Specialist II.
Responsibilities:
 Legal & Regulatory Risk Management. Assesses and mitigates the risks associated with
high risk customers through enhanced due diligence review and suspicious activity
identification throughout M&T Bank Corporation to ensure compliance with Federal and
State laws and regulations and to minimize penalties and reputational losses.
 Legal & Regulatory Identification & Communication. Remains current on legal and
regulatory requirements in cooperation with Counsel’s Office, as applicable.
 Compliance Policies & Control Procedures. Implements internal policies and control
procedures with a thorough knowledge and understanding of guidance, laws and
regulations. Makes recommendations to improve policies and procedures to maximize
departmental resources.
 Customer Due Diligence/Enhanced Due Diligence and Suspicious Activity Identification
and Reporting. Detects monitors, analyzes and reports suspicious activity with respect
to money laundering and terrorist financing. Monitors complex customer activity in order
to ensure that M&T is not doing business with persons involved in money laundering or
terrorist financing or with prohibited persons or entities designed by OFAC and other law
enforcement agencies.
 Responsible for performing tasks in a manner that are compliant with applicable laws
and regulations and / or that serve to help the company be in compliance with laws and
regulations that apply to the business line the position supports.
Minimum Qualifications:
 Bachelors’ degree or the equivalent in work experience with 3+ years’ experience in an
audit or risk management function, 4+ years’ experience in a compliance related
position, or 6+ years banking experience










Proficient personal computer skills to include spreadsheet, word-processing, database
systems and other software utilized by the department
Excellent written, verbal communication and presentation skills
Strong analytical abilities and problem solving skills
Must possess a strong ability to use expert resources, including the Internet
Exceptional ability to multi-task and prioritize projects
Ability to coordinate and work collaboratively with internal and external contacts on a
daily basis
Strong ability to identify efforts that will improve organizational efficiency
Record of achieving results in self and in fellow team members
Must have knowledge and experience to anticipate, identify and resolve problems
Must possess self-motivation and organizational skills
Ideal Qualifications Preferred:
 Management or supervisor experience preferred
 ACAMS Certification preferred
 Strong understanding of bank wide systems, M&T Bank operations and systematic
functionality
 Ability to read and understand Federal and State guidance, laws and regulations
 Knowledge of the organization’s operations, systems and practices within business units
M&T is among the top 20 U.S.-based commercial bank holding companies with more than $79
billion in assets and more than 780 branches in New York, Maryland, Pennsylvania, Virginia,
Delaware, New Jersey, West Virginia, Florida and Washington D.C. With more than 150 years
of experience, M&T Bank is committed to be the best company our employees ever work for,
the best bank customers ever do business with and the best investment our shareholders ever
make.
Please apply at: www.mtb.com/careers