Title: Credit Model Development Quantitative Expert Location: Buffalo, NY Washington, DC Baltimore, MD Iselin, NJ Wilmington, DE New York, NY time type Full time Hybrid job requisition id R87678 Job Description: ** Work Arrangement/Location: This is a hybrid position requiring in-office work three days every week. Ideally the position will be based in Buffalo, NY but may be in an M&T office in Buffalo, NY, Baltimore, MD, Bridgeport, CT, Wilmington, DE, Iselin, NJ, Washington, DC, Iselin, NJ, or possibly NY, NY. There is potential for a remote work arrangement, within the United States, if the final candidate is not near one of the above locations OR another M&T corporate office. Overview: Independently develops, implements, maintains, analyzes and manages quantitative/econometric behavioral models used for credit risk, interest rate risk and liquidity risk management, as well as balance sheet and capital planning. Serves as Bank-wide or industry expert in key area(s) of quantitative risk management. Provides mentoring, training and guidance to less experienced analysts and may lead/manage teams on a project basis, providing performance feedback to management as appropriate. Primary Responsibilities: - Lead research and development of quantitative behavioral models used for credit risk, interest rate risk and liquidity risk management, as well as balance sheet and capital planning, including but not limited to, loan delinquency, default and loss models, loan prepayment and utilization models, deposit attrition models, and financial instrument valuation methods. - Prepare, manage and analyze large customer loan, deposit or financial data sets for statistical analysis in Structured Query Language (SQL) or similar tool to properly specify and estimate econometric models to understand customer or Bank behavior for the purposes of credit, interest rate, liquidity or stressed capital risk management. Understand context of the Bank’s data and businesses to ensure properly developed models. - Run regressions (including time series and logistic regression), programming routines and other econometric analyses to specify models using appropriate statistical software; communicate results, including graphic and tabular forms, to fellow team members, Treasury management and Bank-wide stakeholders, including the business lines and Risk Management colleagues to demonstrate key risk drivers and dynamics of model output. - Execute models in production environment; communicate analytical results to Bank-wide stakeholders. Track portfolio performance, model performance, campaign tracking and risk strategy results. Incorporate observations and data in to existing models to improve predictive results. - Develop, maintain, and manage satisfactory model documentation, including process narratives and performance monitoring guidelines to serve as reference source. - Lead financial analysis and data support to other groups/departments across the Bank as required, serving as Bank-wide expert in area(s) of quantitative risk management. Lead engagements with colleagues in Model Risk Management for model validation exercises. - Provide guidance and direction to less experienced personnel regarding all aspects of data and financial analysis and the development and management of predictive statistical models. - Conduct business in compliance with regulatory guidance including SR (Supervision and Regulation Letters) 10-1, SR 10-6, SR 11-7, Enhanced Prudential Standards, etc. Adhere to applicable compliance/operational/model risk controls and other second line of defense and regulatory standards, policies and procedures. - Serve as lead in managing Treasury projects and initiatives under guidance and direction of management. Present data, results and/or recommendations to Senior Management as necessary. May lead teams on a project basis, providing performance feedback to management as appropriate. - 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. - Promote an environment that supports belonging 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: The position serves as a quantitative expert in use of statistical programming languages to analyze Bank datasets and development, implementation and maintenance of behavioral models. It is important for the position to communicate with clear narratives, compelling data visualization and technical precision, both in-person and in writing, to enable audiences to understand analysis and forecasts. The position partners and collaborates with colleagues in related functions, including Credit Risk Management, Asset Liability and Liquidity Management, Model Risk Management and business lines to implement and understand models for Bank use. The position often leads team-based projects related to model development or implementation. This role is highly technical in nature and requires demonstrated attention to detail, execution and follow-up on multiple initiatives within Treasury and across the Bank. The ability to identify, analyze, rationalize and communicate complex business, data and statistical problems and recommend corresponding solutions while directing the work of others on the team is a key factor of success in this role. The position may supervise the work of interns and/or lead teams on a project basis, providing performance feedback to management as appropriate. The position also provides guidance and direction to less experienced personnel. Education and Experience Required: - Bachelor’s degree and a minimum of 6 years’ proven quantitative behavioral modeling experience, or in lieu of a degree, a combined minimum of 10 years’ higher education and/or work experience, including a minimum of 6 years’ proven quantitative behavioral modeling experience - Credit model development experience - Logistic Regression AND Linear Regression experience required - Minimum of 6 years’ on-the-job experience with pertinent statistical software packages, including Python experience (mandatory) - Minimum of 6 years’ on-the-job experience with data management environment, such as SQL Server Management Studio - Minimum of 6 years’ on-the-job experience analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs Education and Experience Preferred: - Masters’ of Science or Doctorate degree in statistics, economics, finance or related field in the quantitative social, physical or engineering sciences, with proven coursework proficiency in statistics, econometrics, economics, computer science, finance or risk management - Minimum of 8 years’ statistical analysis programming experience - Financial Risk Manager (FRM) or Chartered Financial Analyst (CFA) designation - Fluency and high proficiency in econometric/statistical techniques, especially time-series analysis, panel data methods and logistic regression - Experience in balance sheet management and mathematical modeling of financial instruments offered by banks - Knowledge and familiarity with key aspects of model risk management and model validation, including SR-11-7 guidance on model risk management - Proven track record for being able to work autonomously and within a team environment - Proven leadership skills - Strong desire to learn and contribute to a group - Previous experience leading and directing the work of less experienced personnel M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $123,600.00 - $206,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Software Engineering About Mastercard Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all. Role Summary Lead Quality Engineering as a strategic function across all CNPF products and platforms. Build and lead a global team of quality engineers obsessively focused on customer experience and product reliability - operating across the full stack (frontend, backend, APIs, data pipelines, AI/ML, infrastructure). Define QE strategy and ensure its execution at pace. The role is responsible for designing, developing, testing, maintaining, and enhancing Mastercard's software solutions to ensure quality, security, scalability, and performance to deliver measurable business value. Key Responsibilities - Develop and execute short-term and medium-term strategic plans for Quality Engineering - Lead the design and delivery of complex testing solutions across full-stack applications, data systems, and infrastructure - Drive test automation strategy - define what to automate, at what layer, with what tooling - Embed quality earlier in the lifecycle (shift-left) and extend into production (shift-right) - Define QE strategy for data products - pipeline validation, data contracts, schema drift detection, ML model quality - Establish evaluation and quality frameworks for AI and agentic products - guardrail testing, hallucination detection, prompt regression testing - Own release quality gates and define ship-or-hold criteria - Drive root cause analysis on production incidents and escaped defects - Manage budget, resource planning, and vendor relationships for QE - Hire, develop, and retain world-class QE talent; build compelling career paths - Evaluate, select, and manage QE tooling; drive build-vs-buy decisions - Stay current with industry QE practices and represent Mastercard externally Qualifications Required: - 12+ years of software engineering experience, with 7+ years focused on Quality Engineering at increasing levels of scope and leadership - 5+ years managing engineering teams, including managing people leaders (managers of managers) - Demonstrated expertise across full-stack application quality (API, UI, microservices) and data/ML system quality (pipelines, models, data platforms) - Track record of defining and executing QE strategy at scale - not just running a test team, but transforming how an organization approaches quality - Experience in financial services, payments, or other highly regulated technology environments - Strong communication skills including the ability to assert quality positions to senior leadership, present to executives, and influence without authority - Experience with budget and resource management, including forecasting, vendor management, and build-vs-buy decisions - Bachelor's degree in Computer Science, Software Engineering, or equivalent practical experience Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: - Abide by Mastercard's security policies and practices; - Ensure the confidentiality and integrity of the information being accessed; - Report any suspected information security violation or breach, and - Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.

Role Description The Union for Reform Judaism's (URJ) Development team seeks an Israel-based Development Coordinator to support the URJ's institutional fundraising efforts by coordinating grants from Israeli foundations, government ministries, and other institutional funders. Working closely with the Institutional Giving team, Israel leadership, Finance, Development Operations, and program staff, this role supports the full grant lifecycle for designated grants, from proposal development and submission through reporting, compliance, and stewardship. What You Will Do - Grant Development & Management: - Work with the Institutional Giving team, Israel leadership, and program staff to develop and submit grant proposals to Israeli foundations, government ministries, and institutional funders, including Keren Kayemeth LeIsrael-Jewish National Fund (KKL-JNF), Mosaic, the Ministry of Diaspora Affairs, and other Israeli governmental and philanthropic organizations. - Coordinate the full grant lifecycle, including letters of inquiry (LOIs), proposals, grant agreements, narrative and financial reports, stewardship activities, and grant closeout. - Prepare compelling grant proposals, reports, budgets, narratives, milestones, and supporting documentation in both Hebrew and English. - Track grant timelines, reporting requirements, deliverables, and compliance to ensure submissions are completed accurately and on time. - Work with program teams to support fundraising for the URJ's Israel strategy, programs connecting Israeli and North American youth, and informal Israel education initiatives. - Grant Administration & Operations: - Maintain accurate grant records, opportunity tracking, and reporting calendars in Salesforce and other organizational systems. - Work with Development Operations, Finance, Israel leadership, and program staff to develop proposals, budgets, and reports and ensure grant information and supporting documentation are accurate, complete, and maintained across organizational systems. - Organize grant files, correspondence, and supporting documentation to ensure records are complete, current, and accessible. - Provide coordination and operational support for institutional giving activities, including coordinating meetings, maintaining grant documentation, organizing correspondence, reviewing acknowledgements, and supporting the overall functioning of the Institutional Giving portfolio. Qualifications - You are an organized and detail-oriented development professional who enjoys managing multiple projects and deadlines. - You have experience preparing grant proposals and reports, coordinating across teams, and keeping complex processes moving forward. - You communicate effectively in both Hebrew and English and are comfortable working with colleagues across Israel and North America. - You are proactive, collaborative, and take pride in producing accurate, high-quality work. - You are equally comfortable writing grant narratives, tracking deadlines, maintaining records, and supporting colleagues to ensure successful grant administration. Keys to Success (the must-haves) - Organization & Project Management: You effectively manage multiple grants, competing deadlines, and reporting requirements while maintaining accuracy and attention to detail. - Written Communication: You write clear, compelling, and accurate grant proposals, reports, and correspondence in both Hebrew and English. - Collaboration: You build productive working relationships with colleagues across Development, Finance, Israel leadership, and program teams to support successful grant submissions and stewardship. - Attention to Detail: You consistently produce high-quality work, maintain accurate grant records, and ensure proposals, reports, and supporting documentation are complete and compliant. - Initiative & Accountability: You take ownership of your work, anticipate needs, follow through on commitments, and proactively communicate progress and challenges. - Adaptability: You manage changing priorities and respond effectively to evolving funding opportunities and organizational needs. - Mission Alignment: You are motivated by the opportunity to support fundraising that advances Progressive Judaism, strengthens Israel-North America connections, and expands opportunities for Jewish learning and engagement. Requirements - Based in Israel and authorized to work in Israel. - Fluent in Hebrew and English, with excellent written and verbal communication skills in both languages. - Experience preparing or managing grants from Israeli foundations, government ministries, or institutional funders. - Familiarity with Israeli institutional funders, including Keren Kayemeth LeIsrael-Jewish National Fund (KKL-JNF), Mosaic United, the Ministry of Diaspora Affairs, and/or other governmental or philanthropic organizations. - Experience supporting the grant lifecycle, including proposal development, reporting, budgeting, and compliance. - Strong organizational and project management skills with the ability to manage multiple priorities and deadlines. - Proficiency with Microsoft Office and experience using Salesforce. Application Process Please apply online and include a resume and a one-page cover letter describing your interest in the role and how your experience aligns with the qualifications listed. We look forward to hearing from you!

• Provide leadership for design and implementation of software architecture • Manage internal application development • Set up reliable and scalable platforms • Define, Articulate and Execute web development strategies • Provide hands-on management and individualized support to software engineers • Influence technology strategy and drive data initiatives for the department • Drive data and systems architecture planning • Develop technical roadmaps and lead prioritization of technical investments • Closely interact with Directory of Database Engineering and Director of Solution Architecture • Partner with peer leaders within Product, Analytics, and Engineering • Advise resource planning, personnel decisions, and team structures • Hire and onboard new database engineers • Lead, coach, motivate, and develop software engineers • Clearly communicate expectations and provide training, resources, and information for success