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Kathryn Smith is a seasoned professional with extensive experience in retail operational risk and governance at M&T Bank, where responsibilities include managing a team of Human Resources Business Partners and overseeing leadership development programs. With a career at M&T Bank starting in 2003, Kathryn has held various roles, including Operations Manager, where management of servicing functions and fraud dispute processing was critical. Academic qualifications include an MBA from the University at Buffalo School of Management, and participation in the Senior Leadership Development Program at the University of Michigan's Stephen M. Ross School of Business.