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Deposit Counsel

M&T Bank Buffalo Full-Time
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M&T Bank

Legal Division - Deposit Counsel

Preferred location: Buffalo NY

Alternate locations: Baltimore, MD or Wilmington, DE

The successful candidate will be located in Buffalo, NY, Baltimore MD, or Wilmington, DE, and will provide legal counsel and support to M&T Bank's consumer and business deposit areas regarding regulatory, product development, contract negotiation, complaint, and other matters. More specifically, the successful candidate will assist in:

Researching and advising on matters relating to interpretation and compliance with applicable state and federal laws relating to deposit accounts and related services, such as the Electronic Fund Transfer Act, Expedited Funds Availability Act, Truth in Savings Act, UDAAP, and E-sign Act, as well as the regulations that implement those laws

Monitoring legal and regulatory developments impacting consumer deposits products and services, including via legal research

Identifying legal risks associated with deposit products and services and collaborating with the business and other internal parties to develop plans to mitigate such risks with a view towards the risk appetite of the organization

Providing legal analysis of new business opportunities and new service offerings in connection with product development and deposit services and operations, including checks, ACH and wire transfers, and debit and ATM cards, safe deposit boxes, IRAs, IOLTA/IOLAs, escrows, and lease security accounts

Drafting and negotiating contracts and other documents for deposit customers

Advising on deposit products and services and disclosures

Working cooperatively with the compliance, operational risk, and other areas of the bank on deposit account related matters

Providing advice with respect to customer requests and compliance

Working cooperatively with other subject matter experts in the Legal Department

Minimum Qualifications

J.D. degree required.

Licensed to practice law in New York, Maryland, or Delaware (or ability to obtain an in-house counsel license in New York or Delaware, as applicable).

Minimum of 4 years of practicing attorney experience.

Ability to handle multiple tasks, prioritize work in a deadline-intensive environment.

Ability to understand and integrate details of business/operational/systemic environment in applying legal and policy requirements.

Strong substantive background with federal and state consumer financial services laws, and in particular, Regulation E, Regulation CC, and Regulation DD.

Experience identifying, evaluating and escalating legal risk issues.

Strong communication skills to deal with internal and external constituencies, including senior business leaders; external counsel; regulatory officials; risk, compliance and audit counterparts at the organization.

Exceptional written and verbal communications skills; ability to communicate and relate at all levels of the organization.

Strong interpersonal and teamwork skills and ability to influence through collaboration.



Recommended skills

Regulatory Developments
Contract Negotiation
New Product Development
Debits And Credits
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