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Michael J. Todaro is an Executive Vice President and Chief Risk Officer 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 Management and Risk Committees, and an Executive Vice President and Director of Wilmington Trust, N.A.

Todaro 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.

Todaro holds a Bachelor of Arts (BA) from Colgate University and a Master of Business Administration (MBA) from New York University’s Stern School of Business.

Todaro is 2006 graduate and member of Leadership Buffalo. He is active in the Buffalo community serving on the Board of Trustees for Canisius College.