Centralized Disbursement Approval Associate (Wire Transfer Review) - Hybrid

Shared Services Centralized Disbursement Approval Associate

Play a critical role at the intersection of operations, risk, and client delivery. As a Shared Services Centralized Disbursement Approval Associate, you'll be responsible for reviewing and approving high-risk payment transactions across Institutional Services. This role goes far beyond processing you'll act as a key control point, ensuring funds are released securely, accurately, and in full compliance with regulatory and internal standards. You'll partner closely with Relationship Managers and Service Delivery teams to authenticate various disbursement requests, prevent fraud, and support time-sensitive transactions tied to active client deals. If you're someone who takes pride in getting the details right and isn't afraid to ask questions or push back when something doesn't look right, this is a high-impact opportunity to make a difference.

What You'll Do:

On a day-to-day basis, you'll manage a queue of wire and disbursement requests requiring additional scrutiny and approval. Your responsibilities will include:

• Reviewing and validating wire transactions routed through internal systems (e.g., Total Cash), ensuring all requests meet approval criteria before funds are released
• Performing detailed documentation reviews, including verifying signatures, confirming authorized signers, and ensuring all required materials are complete and accurate
• Confirming key transaction details, such as fund availability, wire instructions, and formatting, to ensure compliance and prevent errors
• Applying a structured, checklist-driven process while using sound judgment to evaluate risk and identify inconsistencies or red flags
• Escalating issues and partnering with business stakeholders when transactions are incomplete, unclear, or do not meet approval standards confidently explaining decisions and rationale when needed
• Supporting time-sensitive requests and escalations, often tied to deals that are actively closing, where accuracy and responsiveness are critical
• Collaborating with Risk, Financial Crimes, and business partners to ensure all payments align with regulatory requirements and internal controls
• Identifying potential fraud or suspicious activity and escalating concerns appropriately
• Driving continuous improvement, recommending enhancements to processes and controls within the disbursement function

What Makes This Role Unique:

• You're the final checkpoint before funds leave the bank, directly protecting both clients and the organization
• The work combines process discipline with analytical thinking and judgment
• You'll gain exposure to high-value transactions, risk management practices, and cross-functional stakeholders
• Your decisions have real-time impact on client deals and business outcomes

Ideal Background:

We're looking for professionals who thrive in detail-oriented, documentation-heavy environments and are comfortable making judgment calls in structured processes. Strong candidates often come from backgrounds such as:

• Banking operations, payments, or disbursements
• Quality control or document review roles
• Loan processing, closing, or servicing

Education and Experience Required:

• Associate's degree or equivalent work experience
• 3+ years of relevant work experience

Education and Experience Preferred:

• Experience in a detail-intensive, process-driven role
• Experience reviewing financial documents, transactions, or payment requests
• Background in banking, financial services, or risk/compliance environments
• Familiarity with wires, disbursements, or payment processing (helpful but not required)
• Exceptional attention to detail with the ability to identify discrepancies quickly
• Strong documentation review and decision-making skills
• Confidence to ask questions, escalate concerns, and push back when something doesn't meet standards
• Ability to balance accuracy and efficiency in a time-sensitive environment
• Solid problem-solving skills, especially when working through incomplete or complex requests
• Strong communication skills, including the ability to clearly explain decisions to business partners
• High level of integrity and risk awareness, with a focus on fraud prevention and compliance

Work Location & Work Model :

• Eligible candidates must live within reasonable commuting distance to 1100 North Market Street, Wilmington, DE 19801
• This is a hybrid role requiring four days per week in the office

Required Availability :

• Monday-Friday, 9:00am-6:00pm (with a one-hour lunch break)
• On occasion, some flexibility is required to accommodate time-sensitive, late-day wire requests to support business needs

Pay Range:

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $28.60 - $47.66 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.

Location:

Wilmington, Delaware, United States of America