Chief Administrative Officer & WNY Regional President

Tracy Woodrow serves as Chief Administrative Officer (CAO) & Western New York Regional President for M&T Bank. She oversees M&T’s human resources, corporate services, sustainability, fraud customer experience and the Buffalo Promise Neighborhood initiative.

Tracy is deeply committed to making a difference in M&T’s hometown of Buffalo, New York and is responsible for guiding the bank’s growth in the region. She works closely with the Western New York community bank leadership team to empower M&T’s local workforce of 8,000 employees to drive economic growth and community development.

Tracy joined M&T in 2013 as Bank Secrecy Act Officer, responsible for overseeing the enterprise-wide anti-money laundering program. In 2020, she became Chief Human Resources Officer. In addition to leading efforts to adapt to new workplace needs during the pandemic, Tracy focused on staffing, recruiting, leadership development and employee relations for M&T’s more than 22,000 employees across the Northeastern U.S.

Tracy was elected to the Buffalo Philharmonic Orchestra Board of Trustees, is vice president of the Buffalo Prep Board of Directors, chair of the Westminster Foundation Board of Directors and a 2019 graduate of Leadership Buffalo. Tracy is also the executive sponsor for M&T’s Native American Employee Group.

Before joining M&T, Tracy worked as in-house counsel and a senior compliance leader with HSBC Bank USA, N.A., focusing on commercial, anti-money laundering and employment law matters.

Tracy holds a juris doctor from Boston College Law School and a bachelor’s degree in political science from the State University of New York at Albany.