Chief Risk Officer
 

Michael Todaro is Chief Risk Officer (CRO) for M&T Bank, where he is responsible for risk management strategy, governance, and relationships with the company’s regulators and supervisory agencies. He serves as a member of M&T’s Risk Committee of the Board.
 

Michael began his career with M&T in 1995, serving in several positions, and ultimately leading, the Mortgage and Consumer Lending businesses. Most recently he was responsible for the bank’s Enterprise Transformation activities. Prior to joining M&T, he was responsible for national mortgage operations at Citicorp Mortgage and held various positions at Marine Midland Mortgage Corporation and the Federal Reserve Bank of New York. 
 

Michael holds a bachelor’s degree from Colgate University and a MBA from New York University’s Stern School of Business.