The Senior Inside Account Manager (IAM) supports the growth and retention of the Commercial Card portfolio by executing the Account Management mission of Protect Revenue, Grow Client Value, and Create Opportunities.
This role serves as a proactive coverage resource focused on clients and opportunities identified through portfolio segmentation, growth potential, attrition risk, and business need. The Senior IAM partners closely with Account Managers, Sales, Relationship Management, Service, and Product teams to strengthen client relationships, uncover optimization opportunities, and generate qualified referrals that contribute to overall portfolio growth.
Success in this role is measured by the ability to protect existing revenue, increase client value, and create new business opportunities that support the broader Commercial Payments strategy and portfolio growth objectives.
Primary Responsibilities:
Protect Revenue
Retain clients and defend existing revenue by proactively identifying and addressing risk across the portfolio.
· Execute proactive outreach to clients identified through portfolio segmentation, risk indicators, and business needs.
· Conduct account reviews to evaluate relationship health, utilization trends, spend activity, and attrition risk.
· Identify potential retention concerns and coordinate appropriate action plans.
· Build relationships with key client contacts to strengthen engagement and loyalty.
· Partner with Service, Relationship Management, Sales, and Product teams to resolve issues and protect client value.
· Escalate emerging risks and opportunities to appropriate internal stakeholders.
· Support retention initiatives designed to strengthen client satisfaction and long-term revenue stability.
· Maintain visibility into portfolio health and changing client conditions.
Grow Client Value
Increase client value through optimization, expanded utilization, and deeper client engagement.
· Identify opportunities to increase Commercial Card spend, utilization, and overall relationship value.
· Conduct account reviews to uncover optimization opportunities and business growth potential.
· Promote relevant Commercial Payments capabilities, products, and solutions that align with client needs.
· Support supplier enablement initiatives and supplier file acquisition efforts.
· Participate in partner planning sessions and portfolio reviews to identify growth opportunities.
· Collaborate with Account Managers, Sales, Product, and Relationship Management partners to advance growth initiatives.
· Develop and maintain a pipeline of optimization opportunities.
· Track and support optimization initiatives through implementation and closure.
Provide training and mentoring to junior Account Managers
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
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 is responsible for participating in the revenue generation, expansion and maintenance of the bank's Commercial Card business.
Managerial/Supervisory Responsibilities:
N/A
Education and Experience Required:
Bachelor’s Degree and 5 years Commercial Card/ Merchant (or related relevant product) sales experience, or in lieu of degree, a combined minimum of 9 years education and/or Commercial Card/Merchant (or related relevant product) sales experience.
Education and Experience Preferred:
Previous account management experience.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $89,600.00 - $149,300.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.LocationClanton, Alabama, United States of America
Skills Required
- Bachelor's degree and 5 years of Commercial Card, merchant, or related relevant product sales experience
- In lieu of a degree, a combined minimum of 9 years of education and/or Commercial Card, merchant, or related relevant product sales experience
- Previous account management experience
M&T Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about M&T Bank and has not been reviewed or approved by M&T Bank.
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Retirement Support — Retirement benefits are positioned as a strong pillar, including a 401(k) match and the possibility of an additional employer contribution, plus access to an employee stock purchase plan.
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Leave & Time Off Breadth — Time-off offerings are framed as competitive, with a flexible PTO approach and paid volunteer time called out as a meaningful add-on to standard leave.
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Wellbeing & Lifestyle Benefits — Wellbeing support appears comparatively robust, highlighted by mental-health therapy/coaching sessions and broader wellness programming alongside community-oriented perks.
M&T Bank Insights
What We Do
M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.
