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Job Description The Arrow Financial Corporation is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Deposit Services team as: Deposit Services ACH & Wire Assistant Manager This opportunity may be perfect for you if you have experience in: High Attention to Detail and Strong Communication skills Operational Efficiency and Supervisory Skills Strong Analytical and Problem Solving Skills ABOUT THIS POSITION: The Deposit Services Automated Clearing House (ACH) & Wire Assistant Manager facilitates and oversees daily ACH and wire operations, ensuring accuracy, efficiency, regulatory compliance, and strong internal controls. This role provides managerial oversight to the ACH and Wire Specialists while supporting management through project coordination, workflow oversight, quality review, and team coaching and development. The Assistant Manager ensures compliance with National Automated Clearing House Association (NACHA) Operating Rules, Sarbanes-Oxley Act (SOX), and internal policy requirements, while partnering with internal departments to assess operational impacts and drive efficiency. This position plays a key role in maintaining regulatory compliance, mitigating risk, and supporting departmental and organizational goals through effective collaboration and operational oversight. ESSENTIAL JOB FUNCTIONS: Supervise the accurate and timely processing of all ACH transactions, including origination, Receiving Depository Financial Institution (RDFI) responsibilities, returns, reversals, and exception processing. Oversee daily domestic and international wire transfer operations including callbacks, exception handling, and issue resolution. Provide day-to-day support, coaching, and performance to ACH and Wire Specialists to ensure adherence to operational standards, regulatory requirements, and departmental goals. Manage the annual ACH risk review process for originators and third-party processors, including risk assessments, file trend analysis, daily and exposure limit monitoring, and compliance with NACHA Operating Rules. Ensure ongoing compliance with applicable regulations and guidance including NACHA Operating Rules, SOX, Office of Foreign Assets Control (OFAC), Bank Secrecy Act/Anti-Money Laundering (BSA/AML), Regulation E, and internal policies and procedures. Research, interpret, and implement, with guidance and oversight from management team, regulatory and rule changes to maintain compliance and support payment modernization initiatives. Drive fraud prevention and risk mitigation efforts by proactively identifying, investigating, and remediating potential fraud indicators and operational red flags. Support implementation, testing, and team training related to new payment technologies, system enhancements, and process improvements. Collaborate with management and internal stakeholders to develop and implement strategies, workflows, and controls that improve efficiency, service quality, and operational effectiveness. Participate in SOX-related activities by coordinating with internal and external auditors to strengthen internal controls and mitigate operational risk. Conduct quality control reviews of assigned work to ensure accuracy, timeliness, and compliance with internal standards and reporting requirements. Facilitate customer and internal escalation resolution to ensure timely issue resolution and a high level of customer satisfaction. Partner with cross-functional teams and key stakeholders to support successful project execution, resolve issues, and achieve departmental and organizational objectives. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: QUALIFICATIONS: Education/Certifications: Associate’s degree or equivalent experience in banking 4 years of banking experience preferred 1 year of supervisory experience preferred Accredited ACH Professional (AAP) certification required Skills/Knowledge Proficiency in Microsoft Office applications (Word, Excel, Outlook, PowerPoint); knowledge of banking-related software a plus Strong communication skills, both verbal and written; demonstrated ability to interact confidently and professionally with colleagues, management, customers and other stakeholders Ability to handle multiple tasks, prioritize work, and meet deadlines with attention to detail Proven organizational, project management, analytical, research, and problem-solving skills Extensive knowledge of banking rules and regulations with emphasis on NACHA Operating Rules, OFAC, BSA/AML, and Regulation E Ability to work independently and as a collaborative team member with high degree of initiative and follow-through Physical Demands and Work Environment: Ability to remain in a stationary position, often standing or sitting, for prolonged periods of time Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations Ability to lift and/or move up to 15 pounds Work is performed primarily in a professional office environment Reasonable accommodations will be provided as required by law to enable qualified individuals with disabilities to perform the essential functions of the job What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. We provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $62,400-$68,000 annually commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Retail Lending team as: Retail Lending Specialist This opportunity may be perfect for you if you have experience in: Thorough knowledge of Consumer Lending Regulations Strong Verbal and Written Communication Solid Organizational skills with the ability to multi-task Ability to Collaborate with cross-functional teams About this position: The Retail Lending Specialist is responsible for processing Home Equity loan requests originating from our branch network’s retail lending staff and managers. Will analyze supporting documentation and make appropriate decision recommendations which comply with Loan Policy and follow regulatory guidelines. Essential Job Functions: Analyze loan applications and supporting documentation to make informed recommendations for loan requests originating in branch system or through walk-in and telephone requests or referrals Comply with established operating policies and procedures in order to maintain adequate controls and to support the Company’s adherence to outside regulatory requirements. Maintain appropriate records, loan files and documentation to meet Company and regulatory requirements. Assist with report generation, preparation of closing documents, communication of closing contingencies, review of legal opinion letters, and workflow coordination. Maintain major policy exception file and prepare quarterly Loan Quality Exception and Statistical reports in an accurate and timely manner. Provide support, and guidance to Retail Lending staff on lending process and regulations; stay up-to-date on policy changes, procedure updates, and regulatory requirements; share knowledge with Retail Lending staff and others as appropriate. Coordinate work within department to ensure timely delivery of service to external customers as well as other departments. Provide periodic updates on workflow to manager and lending team. Keep current on lending regulations, operating policies and procedures, and Company lending products and services; participate in training as appropriate. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: High School Diploma or equivalent experience required 2 years of experience in an administrative role or business environment preferred Skills/Knowledge: Thorough knowledge of consumer lending regulations; familiarity with procedures and policies impacting consumer loan servicing preferable Proficient in Microsoft Office including: Word, Excel, and Outlook; knowledge of lending-related software a plus Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, management and other third parties Physical Demands and Work Environment: Ability to remain in a stationary position, often standing, for prolonged periods of time Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations Ability to move, lift, carry cash bags, coin boxes, and branch equipment up to 30 pounds Travel to various branches as needed; travel can be completed by car, public transportation, or other reasonable means. Ability to travel is required to maintain client relationships and support business objectives. Ability to participate in rotational Saturday schedule to provide branch support Reasonable accommodation will be provided as required by law to enable qualified individuals to perform the essential functions of the job. What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $20.00-$23.00 an hour commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description We’re Hiring! Temporary Teller in the Adirondack Region- Lake George Needed Ready to make an impact and jumpstart your career in the financial industry? Arrow Financial Corporation is looking for an enthusiastic and customer-driven Temporary Teller to join our team in the Adirondack Region. This is an exciting opportunity to be at the heart of a dynamic financial institution, where you’ll provide exceptional service, manage transactions with precision, and play a key role in delivering outstanding customer experiences. If you're someone who: ✅ Provides excellent customer service to customers ✅ Excels in a detailed-oriented, regulatory environment ✅ Thrives in a fast-paced environment ✅ Desires an opportunity to build a strong foundation for a long-term career in banking Then we want to hear from you! ABOUT THE POSITION This role is temporary, but offers valuable experience, competitive pay, and the chance to be part of our Company. This is a great first step on the banking career ladder--many of our temporary tellers grow into full-time roles, which can lead to branch management. As a Temporary Teller in our Central Region, you will be responsible for performing a variety of duties not limited to processing customer transactions, responding to inquiries for information, and assisting colleagues and supervisors with functions relative to the daily operation of the branch. This Position is 40 hours a week Monday-Saturday. Our branch hours range from 7:30am-6:30pm Monday-Friday and 8:00am-1:30pm Saturday. This position is throughout the summer. Essential Job Functions ✔️Provide consistent, outstanding customer service by anticipating and responding to customer needs ✔️Process transactions accurately and efficiently ✔️Support sales efforts of Company; actively participate in Cross-Sell program and make referrals as appropriate ✔️Answer customer inquiries regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies. ✔️Balance cash drawer and adhere to established cash limits ✔️Open deposit accounts for customers ✔️Adhere to requirements pertaining to branch security, fraud prevention and BSA; identify counterfeit currency and monetary instruments ✔️Adhere to applicable federal regulations and Company policies and procedures ✔️Able to travel, using reliable transportation, to various branches to meet operational needs ✔️Able to work rotating Saturday schedule What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: High School Diploma or equivalent required 2 years of experience in customer service, cash handling, or retail sales preferred Skills/Knowledge: Strong communication skills, both written and verbal; comfortable communicating with customers, team members, and management Quality customer service skills; friendliness, a helpful attitude, patience, and professionalism Ability to remain detail-oriented and follow procedures while providing excellent customer experience Demonstrated ability to complete multiple tasks while staying aware of surroundings Strong understanding of the importance of discretion and confidentiality; while demonstrating ethics and integrity Skilled in Microsoft Office Suite (Word, Excel and Outlook); ability to learn banking-related software What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environments, and competitive compensation. We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in recognition from the nation’s leading publications and bank-rating firms. The salary for this position is $20.00 per hour.

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Upstate Agency – P&C team as: Insurance Support Representative This opportunity may be perfect for you if you have experience in: Excellent Customer Service Strong Attention to Detail and Organizational Skills About this position: The Insurance Support Representative is responsible for providing quality customer service, processing customer requests and transactions, and reviewing policies for accuracy prior to completion. Maintain documentation, log daily activities and transactions in management system, and follow-up on open suspense to keep current within Company guidelines. Provide administrative support to help meet department and Company goals. This role is 100% on site in South Glens Falls, New York, Upstate Agency, LLC, headquarters. Please note that while this role is an entry level position to support the insurance businesses, there are several paths for career advancement for those who are interested. Essential Job Functions: Maintain documentation of daily activities and transactions; process insurance transactions including: payments, renewals, invoices, endorsements, reinstatements and tasks assigned within guidelines. Process change requests including cancellations, policy and premium corrections from error reports, any insurance proof of coverage and transaction changes to carriers for processing as assigned within guidelines. Perform claim reporting and handling. Process auto identification cards, certificates, premium collection, payments to insurance carriers, and document payments in insurance management system as assigned within guidelines; conduct research as appropriate. Receive public and answer questions (as permitted by NYS Department of Insurance) in person, by telephone, or via email – referring customers to Support Professionals as appropriate; provide consistent, outstanding customer service by anticipating and reacting to customer needs. File documents manually and electronically based on established criteria; prepare correspondence and reports in timely and accurate manner to meet department goals and objectives. Prepare premium quotations and proposals using a combination of knowledge/experience, available comparative rating tools and carrier quoting systems for data. Perform vehicle inspections; act as liaison between client and carrier to insure claims are handled in timely manner. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: High School diploma or equivalent experience required 2 years of experience in insurance environment preferred Skills/Knowledge: Excellent communication skills, both written and verbal; comfortable interacting with customers, co-workers and management Knowledge of underwriting insurance coverages and insurance management systems a plus Proficient with Microsoft Office Suite: Word, Excel, Outlook and PowerPoint Strong organizational skills; ability to prioritize work and meet strict deadlines Attention to detail a must; skilled in filing both electronic and hard copy documentation Physical Demands and Work Environment: Must be able to sit for prolonged periods of time and walk/stand for brief periods of time. Must be able to repetitively use a telephone and computer mouse and keyboard. Ability to lift/move up to 15 lbs. What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $20.00 - $25.00 an hour commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description MOVE YOUR CAREER IN THE RIGHT DIRECTION! The Arrow Financial Corporation family of companies is seeking a HR professional with experience to join our Employee Total Rewards team as a Employee Total Rewards Analyst If you bring experience in compensation and benefits analysis, including experience with benchmarking and stock-based compensation, this opportunity may be an excellent fit for you. We’re seeking an Employee Total Rewards Analyst who can combine analytical expertise with strategic insight to help shape and support our employee total rewards programs. The Employee Total Rewards Analyst plays an important role in designing, evaluating, and managing competitive compensation and benefits programs that attract, motivate, and retain top talent within the organization. This position involves conducting comprehensive market research and data analysis to ensure the company’s pay structures and benefits offerings are aligned with industry standards and regulatory requirements. This position will collaborate closely with the Employee Total Rewards team to develop strategies that support organizational goals and employee satisfaction. They will also be responsible for monitoring trends, preparing detailed reports, and recommending adjustments to maintain equity and competitiveness. Ultimately, this role ensures that compensation and benefits programs contribute to a positive employee experience and support the company’s overall business objectives. ESSENTIAL JOB FUNCTIONS: • Support the development, implementation, and administration of compensation programs, including base pay, incentive plans, and equity-based compensation., • Develop, maintain, and analyze compensation and benefits reports, dashboards, and presentations for leadership., • Conduct detailed market benchmarking and salary surveys to analyze compensation trends and ensure competitive pay structures., • Oversee stock option and equity plan administration, including tracking grants, vesting schedules, and employee communication, in compliance with company policies and applicable regulations., • Monitor internal pay equity by conducting regular audits and analysis of employee job levels and duties to maintain fairness and consistency across the organization., • Assist with benefits analysis and administration, including retirement plans, health and welfare programs, and vendor coordination., • Ensure compliance with federal, state, and local laws and regulations related to compensation and benefits (e.g. FLSA, ERISA, ACA), as well as internal policies and audit requirements., • Support annual processes such as annual salary review, employee bonus, open enrollment, and total rewards communication., • Stay current with legislative changes and industry best practices related to compensation and benefits., • Contribute to additional projects and initiatives, as needed, to support the Employee Total Rewards Team. QUALIFICATIONS: Education/Certifications: • Bachelor’s degree in Human Resources, Business Administration, Finance, or a related field., • At least 3 years of experience in compensation and benefits analysis or a similar HR role., • Strong knowledge of compensation structures, benefits programs, and relevant labor laws in the United States., • Proficiency in data analysis tools and HR information systems (HRIS)., • Excellent communication and presentation skills., • Professional certification such as (PHR), Certified Compensation Professional (CCP) or Certified Employee Benefit Specialist (CEBS). Skills/Knowledge: • Strong analytical skills., • Proficiency in data analysis tools such as Excel, SQL, or statistical software., • Knowledge of compensation laws and regulations applicable in the United States., • Excellent communication skills with the ability to present complex data clearly to diverse audiences., • Strong organizational and prioritization Skills PHYSICAL DEMANDS AND WORK ENVIRONMENT: • Must be able to sit for prolonged periods of time and walk/stand for brief periods of time., • Must be able to repetitively use a telephone and computer mouse and keyboard., • Ability to lift/move up to 15 lbs. Reasonable accommodation(s) will be provided as required by law to enable qualified individuals to perform the essential functions of the job. We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The pay range for this position is $80,000 - $100,000 annually commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus and incentive programs, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Information Technology (IT) Support team as: IT Manager, Support (Help Desk Manager) This opportunity may be perfect for you if you have experience in: Exceptional Interpersonal Skills, Collaborative and Innovative Demonstrated Problem-Solving and Solution Implementation Abilities Strong Leadership and Team Management Skills About this position: Responsible for leading the Information Technology (IT) Support team including supervision, workflow, scheduling, and performance. Assists with computer equipment purchasing and installation. Supports technology training and orientation for end users. Collaborates with Information Technology Management team to accomplish department, division, and Company goals. Responsibilities Provide user support, ensuring familiarity with equipment, and networks, organizing support, troubleshooting, and facilitating repair for IT equipment. Collaborate with Human Resources to enhance new hire orientation, identify training needs, coordinate training sessions, assess current and future employee IT needs. Cultivate and maintain collaborative relationships with vendors, ensuring access to quality products/services. Oversee IT Support operations, including call center management and ticket system administration, with regular monthly reporting to management for informed decision-making. Keep up to date with policies and procedures, while maintaining a thorough understanding of available technology; assist with product implementation and continuous upgrades. Oversee administration of user accounts, permissions, and access rights in Active Directory; responsible for user documentation and IT forms necessary for setting up new user accounts and for documenting future changes associated with new user accounts. Manage, coach, and counsel IT Support team to meet department goals and achieve performance standards; encourage continuous improvement for career development; ensure availability of appropriate resources and timeliness of workflow What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications/Experience: Bachelor’s degree in information technology-related field or equivalent experience required 8 years of relevant Support experience required 3 years of supervisory experience preferred Skills/Knowledge: Demonstrated experience with standard software applications including Windows, Microsoft 365 applications and administration, call center management, help desk ticketing tools, and Active Directory Effective prioritization skills and ability to manage multiple tasks while meeting deadlines Strong communications skills, both written and verbal; comfortable communicating, presenting, and collaborating with vendors, co-workers, and management one-on-one or in group settings Solid problem-solving and solution implementation abilities; organized and detail oriented Proven experience in training with ability to evaluate and/or create training materials a plus Physical Demands: Must be able to sit for prolonged periods of time and walk/stand for periods of time. Must be able to repetitively use a telephone and computer mouse and keyboard. Ability to lift/move up to 25 lbs and/or crawl under desks or equipment What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $65,000 - $90,000 a year commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Residential Lending team as: Senior Mortgage Processor This opportunity may be perfect for you if you have experience in: Excellent Communication Skills Advanced Knowledge of Mortgage Processing Strong Organizational Skills About this position: The Senior Mortgage Processor is responsible for coordinating, organizing, and maintaining residential loan files, including complex transactions. This role works closely with Mortgage Originators and other department staff to ensure efficiency, accuracy, and compliance with regulatory requirements. This role serves as a subject matter resource for complex scenarios, regulatory requirements, and process improvement initiatives. This role will primarily focus on operational efficiency, quality control, and superior customer service. Essential Job Functions: Complete mortgage processing activities for loans submitted to the processing team, including complex loan transactions. Review and document files for accuracy, completeness, and regulatory compliance prior to submission to underwriting Provide timely and complete underwriting submissions, coordinating with internal department personnel and external service providers. Communicate effectively with customers and sales teams to obtain required documentation and resolve issues proactively Maintain full ownership of mortgage loan files once submitted to processing Prepare, maintain, coordinate, and distribute residential loan files, regulatory disclosures, verifications, and supporting documentation to comply with regulatory requirements and department workflows Review pipelines for regulatory monitoring, disclosure timing, and critical notifications; track file completeness and escalate potential risks or delays Serve as a subject matter expert for complex loan structures, guideline exceptions, income analysis, and layered risk scenarios Independently manage high-volume or high-complexity pipelines while meeting or exceeding service level and quality standards Perform proactive file reviews to identify compliance risks, documentation gaps, and potential underwriting challenges prior to submission Assist Mortgage Operations management with complex loans, special projects, reporting, and process improvement initiatives Contribute to the development and maintenance of processing procedures, job aids, and quality control standards What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: Associate’s degree or equivalent experience preferred 5 years of experience in a mortgage-related field preferred Encompass experience preferred Government loan experience (FHA/VA) preferred Current NMLS registration or ability to obtain NMLS registration Skills/Knowledge: Proficient in Microsoft Office Suite: Word, Excel, and Outlook as well as banking-related software Excellent communication skills, both written and verbal; comfortable communicating with customers, attorneys, co-workers, and management Strong mathematical and organizational skills; ability to prioritize tasks and meet deadlines Advanced knowledge of residential mortgage products, underwriting guidelines, and regulatory requirements Strong analytical skills with the ability to identify and mitigate risk early in the loan lifecycle Physical Demands and Work Environment: Ability to remain in a stationary position, often standing or sitting, for prolonged periods of time Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations Ability to lift and/or move up to 15 pounds Work is performed primarily in a professional office environment Reasonable accommodations will be provided as required by law to enable qualified individuals with disabilities to perform the essential functions of the job What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $23.00- $28.85 an hour commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description MOVE YOUR CAREER IN THE RIGHT DIRECTION! The Arrow Financial Corporation family of companies is seeking a skilled HR professional to join our Employee Experience team as a Human Resources Business Partner (HRBP) This collaborative role provides you with opportunities to inspire and engage employees, guide and coach supervisors, and contribute to the overall development of our valued employees. The Human Resources Business Partner (HRBP) supports assigned business units, by providing guidance and day-to-day support across all areas of human resources throughout the employee life cycle. This role proactively partners with managers and employees to support recruitment, performance management, employee relations, and other core HR functions. The HRBP helps implement HR programs and processes, provides administrative and transactional support, and contributes to a positive, people-first workplace culture while ensuring accuracy, consistency, and efficiency in HR operations. ESSENTIAL JOB FUNCTIONS: HR Operations and Talent Support • Supports core HR operations to ensure an effective and seamless employee experience, including timely execution of recruitment-related activities, job changes, and maintenance of accurate employee data., • Partners with business leaders to support talent acquisition efforts for assigned business units, including sourcing, screening, interview coordination, and facilitation of the candidate selection process. Trusted HR Partnership • Serves as a trusted HR partner and primary resource for managers and employees, providing guidance on policies, procedures, and HR best practices. Maintains ongoing engagement with business partners to strengthen relationships, support open communication, and drive collaboration on initiatives that enhance engagement, productivity, morale, and retention., • Supports business units through organizational change by providing HR guidance, communication support, and consultation to enable smooth and effective transitions. Performance Development & Manager Support • Provides coaching and consultative support to managers and employees on performance development, career growth, and ongoing feedback, with a focus on engagement, development, and high performance., • Supports performance management activities including goal setting, performance review processes, and development planning. Provides guidance to managers on supporting employees in meeting expectations through clear communication, coaching and constructive feedback. Employee Relations & Workplace Support • Partners in and actively drives resolution of workplace concerns through fair, respectful and consistent application of company policies, with an emphasis on early engagement, open communication, and constructive problem solving., • Partners with employees and managers to navigate sensitive workplace situations in a way that supports trust, accountability, and positive working relationships. Works with appropriate stakeholders to ensure matters are addressed in alignment with company values and applicable legal requirements. Data Insights & Continuous Improvement • Leverages HR data and metrics to identify trends, share insights with leaders, and recommend solutions that enhance engagement, performance, retention, and overall organizational effectiveness. Compliance & Risk Awareness • Maintains awareness of applicable employment laws and ensures HR practices are aligned with federal, state, and local requirements. HR Functional Partnerships • Partners with the Employee Total Rewards team by facilitating timely exchange of information and supporting coordination related to leave administration, attendance, compensation and benefits programs, ensuring employees and managers are connected to the appropriate subject matter expertise., • Partners with Learning & Development and Employee Experience Partners to support alignment and delivery of talent development, engagement, and culture initiatives. QUALIFICATIONS: Bachelor’s Degree in Human Resources, Business Administration, or related field • Minimum of 5 years of HR experience, preferably within the Finance or Retail industry, • Human Resource certification (SPHR, PHR, SHRM-CP, SHRM-SCP) preferred Skills/Knowledge: • Demonstrated knowledge of HR processes, including employee relations practices and HR best practices, • Solid foundational knowledge of employment laws and compliance requirements and ability to interpret and apply HR policies and procedures consistently, • Understanding of how HR practices support business operations and workplace needs, • Strong written and verbal communication skills, with the ability to present information clearly and professionally to individuals and groups, • Solid critical thinking, organizational, and problem-solving skills with the ability to manage multiple priorities and meet deadlines in a fast-paced environment, • Proven ability to build effective working relationships with leaders and employees while supporting collaboration across teams, • Strong attention to detail to ensure accuracy in HR documentation, records, and processes while supporting compliance with policies and regulatory requirements, • Consistency in handling sensitive and confidential information with discretion, • Proficiency in Microsoft Office Suite (Word, Excel, Outlook, and PowerPoint), • Experience with HRIS systems; specifically, ADP or similar platforms PHYSICAL DEMANDS AND WORK ENVIRONMENT: • Ability to remain in a stationary position, often sitting, for prolonged periods of time, • Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations, • Ability to move, lift, and carry up to 15 pounds, • Ability to occasionally travel within geographic footprint is required to maintain employee relationships and support business objectives; travel can be completed by car, public transportation, or other reasonable means, • Ability to occasionally work a flexible work schedule to support job fairs Reasonable accommodation(s) will be provided as required by law to enable qualified individuals to perform the essential functions of the job. We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The pay range for this position is $70,000 - $90,000 annually commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus and incentive programs, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Deposit Services team as: Operations Professional This opportunity may be perfect for you if you have experience in: Banking rules and regulations pertaining to deposits and loans Detail oriented and excellent at analyzing and solving problems Working collaboratively with deposit and loan operations to provide support About this position: Responsible for assisting management team with coordinating operations projects including testing, implementation, implementation strategies, documentation, reporting, training, and procedures to meet goals and objectives. This position is in-office and works out of our headquarters in Glens Falls, New York. Responsibilities Build, maintain and manage workflows. Assist with utilization, implementation and maintenance of robotic process automation (RPA) solutions. Assist management with projects, processes, audits and internal controls. Provide training and create procedures for internal user departments on new products and services. Provide consistent, outstanding customer service anticipating and reacting to internal /external customers needs. Assist with supporting applications within operations and coverage on the day to day operations as needed; work with vendors, troubleshooting and ticket resolutions. Research, prepare and create management reports. Formulate and implement strategies and processes to increase efficiencies throughout operations. Coordinate data for current and future projects. Stay up to date on applicable laws/regulations; ensure compliance with laws/regulations as well a company policies and procedures. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: Bachelors degree or equivalent experience required 4 years of experience in banking preferred Skills/Knowledge: Proficient in Microsoft office suite: Word, Excel, Outlook and PowerPoint Solid knowledge of financial products and services Skilled in identifying, analyzing and providing resolutions to problems Strong organizational skills and attention to detail; ability to effectively complete projects, manage workflows, and handle multiple priorities while maintaining a strict adherence to deadlines Ability to work independently and as a collaborative member of a team Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, vendors and management PHYSICAL DEMANDS AND WORK ENVIRONMENT: Ability to remain in a stationary position, often standing or sitting, for prolonged periods of time Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations Ability to lift and/or move up to 15 pounds Work is performed primarily in a professional office environment What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $23.00 - $28.00 per hour commensurate with experience and education. Additional compensation may be earned through the Company’s profit-sharing bonus program, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Upstate Agency – P&C team as: Personal Insurance Account Manager This opportunity may be perfect for you if you have experience in: Thorough knowledge of personal insurance Excellent multitasking and prioritization skills a must Proactive relationship management About this position: The Personal Insurance Account Manager is responsible for marketing insurance products to existing customers while networking with prospective customers to provide appropriate policy needs. This role must ensure that issues are identified and resolved and recognize when escalation is necessary. In addition, this role is also responsible for providing consistent, timely, and high-quality service to customers and prospects resulting in expectations being met or exceeded as a norm. This position can either sit in our Chestertown, Queensbury, South Glens Falls, or Saratoga Springs, NY office. Essential Job Functions: Complete customer requests for new business quotes, review existing accounts for proper coverage and insurance carriers for placement; process changes and collect premium when applicable; perform claim reporting and handling Solicit referrals from current customer base to broaden list of prospective customers and enhance coverage of existing customers to support department and Company goals Maintain customer accounts on agency computer system; document all transactions in activity log and suspense file, send confirmations to insureds and adhere to all procedures Consult with customers on coverage and risk exposures to ensure adequate coverage; provide consistent, outstanding service by reacting to and anticipating customer concerns and needs Work closely with Client Advocate Professionals and Agency Support team to provide quality customer experience highlighted by exceptional service, outstanding knowledge of industry, and timely responsiveness Provide training, support and guidance to co-workers and customers as appropriate; answer questions and promote education to ensure understanding of processes, coverages, and conditions Participate actively in community as defined by Company community involvement requirements. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: Bachelors degree or equivalent experience in related field preferred Valid insurance licenses as required by New York State Department of Insurance required or willing to obtain 4 years of qualified insurance industry training/experience or experience in related field preferred Skills/Knowledge: Thorough and demonstrated knowledge of insurance underwriting and rating procedures Working knowledge of insurance management systems Excellent communication skills, both written and verbal; comfortable communicating with customers, co-workers, management, and vendors Ability to independently handle multiple tasks and priorities while meeting strict deadlines; attention to detail Proficient with Microsoft Office Suite: Word, Excel, Outlook and PowerPoint Physical Demands: Prolonged periods sitting at a desk and some brief periods of walking/standing Repetitive use of telephone, computer, computer mouse, and keyboard Must be able to lift up to 15 lbs. at times What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $25 - $30 an hour commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Residential Lending team as: Senior Mortgage Underwriter This opportunity may be perfect for you if you have experience in: Proven experience in residential mortgage underwriting, including proficiency with Fannie Mac, Fannie Mae, FHA, and/or VA guidelines. Exceptional organizational and analytical skills with a meticulous attention to detail, particularly in reviewing complex financial documentation and borrower profiles. Strong passion for helping people in the community, applying ethical, sound judgement, to help qualified applicants achieve homeownership. Refined communication and customer service skills to clearly convey complex credit decisions and collaborate effectively with loan officers and processors. About this position: The Senior Mortgage Underwriter is responsible for independently underwriting, approving, and presenting complex and higher-risk residential mortgage loan applications. Analyzing financial and collateral documentation, exercising advanced credit judgement and making recommendations and decisions in accordance with Company policy, regulatory requirements, and secondary market guidelines. This role serves as a subject-matter expert for complex underwriting scenarios and provides guidance to underwriters and lending team members. This role is also critical in maintaining asset quality and supporting the Underwriting Manager in achieving departmental production and risk management goals. This position requires a regular, scheduled presence at our Glens Falls, New York headquarters. The schedule is hybrid optional, but candidates must be able to easily commute to Glens Falls, New York for required office days. This role is not a fully remote opportunity. Essential Job Functions: Analyzes borrower income, creditworthiness, assets, and collateral for complex and higher-risk residential mortgage loan applications. Underwrites applications in accordance with bank policy, regulatory requirements, secondary market guidelines, and other third-party guidelines. Approves, approves with conditions, or denies mortgage applications within assigned authority limits. Reviews and analyzes income, asset, appraisal reports, and other supporting documentation for accuracy, adequacy, and compliance. Identifies, evaluates, and documents compensation factors, layered risk, and policy exceptions as appropriate. Prepares clear, well documented underwriting decisions to support audit, quality control, and regulatory examination requirements. Serves as resource for complex underwriting scenarios providing technical guidance to lending and processing teams. Collaborates with the Underwriting Manager regarding pipeline oversight, loan assignment, reporting, and exception tracking, as requested. Coordinates with internal team members, closing attorneys, and appraisers, and other third parties to ensure loan files are complete and ready for closing. Reviews and provides builder approval recommendations, construction advance schedules and draw requests. Participates in quality control reviews and completes audit and compliance activities for the residential lending portfolio as assigned by management. Maintains knowledge of changes in underwriting guidelines and regulatory requirements to ensure compliance. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: Bachelor’s degree in a related field or equivalent experience required 6 years of mortgage underwriting or related mortgage experience required Nationwide Multistate Licensing System (NMLS) license or ability to obtain within the first 30 days required Designations such as Direct Endorsement (DE) and/or U.S. Department of Veterans Affairs Lender Appraisal Processing Program (VA LAPP) preferred Skills/Knowledge: Strong problem solving, organizational and analytical skills; ability to extract and interpret information from multiple sources Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, management, and other stakeholders Thorough knowledge of underwriting, mortgage products, and current lending regulations Knowledge of Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) program guidelines preferred Proficiency in Microsoft Office applications (Word, Excel, Outlook) as well as department specific systems and software Excellent organizational, attention to detail, and time-management skills, with the ability to prioritize multiple tasks and consistently meet established deadlines Ability to provide thorough income analysis, which includes reviewing self-employment income for all business structures Physical Demands Ability to remain in a stationary position, often standing or sitting, for prolonged periods of time Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations Ability to lift and/or move up to 15 pounds Work is performed primarily in a professional office environment Reasonable accommodations will be provided as required by law to enable qualified individuals with disabilities to perform the essential functions of the job What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $65,000 - $75,000 commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Electronic Banking team as: Electronic Banking Assistant Manager II This opportunity may be perfect for you if you have experience in: High Attention to Detail and Strong Communication skills Operational Efficiency and Supervisory Skills Strong Analytical and Problem Solving Skills ABOUT THIS POSITION: The Electronic Banking Assistant Manager is responsible for supervising team, assisting, and supporting management team through project coordination, work review, and work organization to achieve optimum efficiencies in time and resources within department. Lead efforts designed to meet department and Company goals as identified by management team. Effectively collaborates with other departments as needed to understand impacts and ensure efficiencies. ESSENTIAL JOB FUNCTIONS: Assist management in defining roles and responsibilities of team members; manage, coach, counsel team to meet department goals and achieve performance standards; encourage continuous improvement and career development. Collaborate with management team on formulation and implementing strategies and processes to increase efficiencies, improve customer service, create, and achieve department procedures and goals. Oversee daily department operations, supporting strategic plan; day-to-day operations, projects, and special assignments . Assist with the Sarbanes-Oxley (SOX) program, as well as working with other internal/external auditors supporting internal controls mitigating company risks. Assist Manager to optimize departmental practices; identify/collaborate with other departments and key stakeholders to understand impact from projects and resolve issues to achieve optimal implementation outcome. Research, propose, and implement changes necessary to stay current with regulatory requirements and compliance directives. Remain current on regulatory changes/guidance applicable to Electronic Banking. Assist Manager to provide quality control review of designated work; ensure timely and accurate reporting. Facilitate customer escalation calls and situations to ensure resolution and customer satisfaction, provide call center support as needed. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: QUALIFICATIONS: Education/Certifications: Associate’s degree or equivalent experience in banking 4 years of banking experience preferred 1 year of supervisory experience preferred Skills/Knowledge Proficiency in Microsoft Office applications (Word, Excel, Outlook, PowerPoint); knowledge of banking-related software a plus Strong communication skills, both verbal and written; demonstrated ability to interact confidently and professionally with colleagues, management, customers and other stakeholders Ability to handle multiple tasks, prioritize work, and meet deadlines with attention to detail Proven organizational, project management, analytical, research, and problem-solving skills Extensive knowledge of banking rules and regulations with emphasis on NACHA Operating Rules, OFAC, BSA/AML, and Regulation E Ability to work independently and as a collaborative team member with high degree of initiative and follow-through Physical Demands and Work Environment: Proficient with Microsoft Office Suite: Word, Excel, Outlook and PowerPoint; knowledge of banking related software a plus Strong communication skills, both verbal and written; demonstrated ability to interact confidently and professionally with employees, management, customers and other stakeholders Ability to handle multiple tasks, prioritize work, and meet strict deadlines with attention to detail skills Proven organizational, project management, analytical, research, and problem-solving skills Extensive knowledge of banking rules and regulations pertaining to deposit accounts with emphasis on Regulation E and Dispute Resolution Ability to work independently and as a collaborative team member; initiative and follow-through key What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. We provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $62,400-$68,000 annually commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Loan Services team as: Loan Services Assistant Manager This opportunity may be perfect for you if you have experience in: Experience with servicing loans, post funding. Knowledge of VA, FHLMC and SBA loans. Experience with processing escrow accounts. ABOUT THIS POSITION: The Loan Services Assistant Manager performs supervisory and operational duties with management oversight, supporting the Loan Services team through project coordination, work review and organization to maximize departmental efficiency. This role helps drive initiatives to achieve departmental and Company goals and collaborates with other departments to ensure smooth operations and overall efficiency. ESSENTIAL JOB FUNCTIONS Define team roles and responsibilities; coach, counsel and develop team members to meet department goals and performance standards; encourage continuous improvement and career development. Collaborate with management team on formulation and implementation of strategies, processes and procedures to increase efficiencies, improve customer service, and achieve goals. Oversee daily department operations, including but not limited to; post funding loan servicing, reporting for all loan types, ex. VA, FHLMC, SBA. In addition, escrow processing and credit reporting. Supporting strategic plan; day-to-day operations, projects, and special assignments. Ensure compliance and risk mitigation through the Sarbanes-Oxley (SOX) program and coordination with internal/external auditors. Optimize departmental practices; collaborate with other departments and key stakeholders to ensure successful project execution. Monitor regulatory requirements and compliance directives; recommend and implement process changes to maintain adherence. Conduct quality control reviews of designated work, ensuring timely and accurate reporting. Manage customer escalations to resolution, ensuring satisfaction and provide call center support as needed. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications Associate degree or equivalent experience in banking 4 years of banking and loan experience preferred 1 year of supervisory experience preferred Skills/Knowledge Proficient with Microsoft Office Suite: Word, Excel, Outlook and PowerPoint; knowledge of banking related software a plus Strong communication skills, both verbal and written; demonstrated ability to interact confidently and professionally with colleagues, management, customers and other stakeholders Ability to handle multiple tasks, prioritize work, and meet strict deadlines with attention to detail Proven organizational, project management, analytical, research, and problem-solving skills Knowledge of state/federal regulations related to loan servicing, including post-funding reporting on all loan types, escrow processing and credit reporting preferred. Ability to work independently and as part of a collaborative team, demonstrating initiative, accountability, and consistent follow-through Physical Demands and Work Environment: Ability to remain in a stationary position, often standing or sitting, for prolonged periods of time. Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations. Ability to lift and/or move up to 15 pounds. Work is performed primarily in a professional office environment. Reasonable accommodations will be provided as required by law to enable qualified individuals with disabilities to perform the essential functions of the job What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our employment decisions are made without regard for: race, color, religion, national origin or ethnic origin, gender (including pregnancy), sexual orientation, gender identity or expression, age, disability, veteran status, or any other characteristic protected by law. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. We provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $62,400-$68,000 annually commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Deposit Services team as: ACH and Wire Specialist- Glens Falls This opportunity may be perfect for you if you have experience in: Ability to prioritize to meet deadlines Outstanding Customer Service skills and Attention to Detail Basic knowledge of NACHA rules ABOUT THIS POSITION The ACH and Wire Specialist is responsible for processing, validating and reconciling electronic transactions. Responsibilities will also include reviewing, researching and resolving discrepancies in customer data. Provide service and support to customers using ACH and Wire transfer services in addition to other digital services. Provide support to branch network and assist manager with coordinating work tasks. Work directly with outside companies, government agencies and financial institutions and ensure that laws, regulations and policies are adhered to. ESSENTIAL JOB FUNCTIONS: Process ACH origination, returns, exceptions and reclamations in a timely and accurate manner meeting department guidelines and in adherence to NACHA rules Process incoming and outgoing wire transfers in a timely and accurate manner meeting department guidelines Research, report and provide resolution to exceptions in a timely manner according to department policies and procedures. Monitor for suspect, erroneous and fraudulent electronic transactions Review data for proper authorizations and compliance and take action as appropriate. Update, modify and correct data meeting the department’s goals and objectives while following policies and procedures. Provide consistent, outstanding customer service by anticipating and reacting to internal and external customer needs What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: Associate’s Degree or equivalent experience required 2 years prior banking experience with expanded knowledge of banking regulations preferred Skills/Knowledge: Basic knowledge of NACHA rules preferred Proficient in Microsoft Office Suite: Word, Excel, and Outlook Strong problem-solving skills, ability to analyze and solve problems independently Ability to prioritize multiple tasks/projects to meet deadlines Physical Demands: Must be able to sit for prolonged periods of time and walk/stand for brief periods of time. Must be able to repetitively use a telephone and computer mouse and keyboard. Ability to lift/move up to 15 lbs. What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our employment decisions are made without regard for: race, color, religion, national origin or ethnic origin, gender (including pregnancy), sexual orientation, gender identity or expression, age, disability, veteran status, or any other characteristic protected by law. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. We provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $20.00 - $23.00 an hour commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Fraud team as: Fraud Senior Specialist This opportunity may be perfect for you if you have experience in: Fraud Detection and Recovery Financial Crimes Investigation Developing and Delivering Education and Training ABOUT THIS POSITION: The Fraud Senior Specialist supports the Fraud Manager in an administrative and support capacity to ensure compliance with fraud laws, customer requirements and the Company’s Fraud Program. This includes employee support, customer support and quality control. ESSENTIAL JOB FUNCTIONS: Support all facets of fraud detection including prevention and case management, maintenance of appropriate documentation and records of fraud-related activities; provide reports to management as required. Act as a liaison with local, state and federal law enforcement, including other criminal justice agencies pertaining to fraud, theft or other security violations Work closely with internal departments and support branch staff with investigations, customer interviews & customer escalations Ensure the proper timeframes and follow-ups are completed with cases to ensure successful retrieval of funds. Monitors, analyzes, tracks and reports on fraud risk strategies while ensuring an exceptional customer experience. Assist with periodic training of employees and provide fraud prevention training and initiatives for our customers. Work with other financial institutions, prioritizing outreach to obtain maximum restitution Stay up-to-date on industry standards for local, state and federal laws and regulations impacting information security and fraud; and maintain community contacts in law enforcement. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications:: Associates Degree or equivalent experience preferred 3 years of financial services-related experience preferred Skills/Knowledge: Strong communication skills, both written and verbal: comfortable communicating with vendors, co-workers, management, customers and law enforcement Strong analytical and organizational skills; ability to prioritize multiple tasks/projects to meet deadlines; flexibility and willingness to adapt Sound business judgment and ability to think independently Quality problem solving and investigative skills PHYSICAL DEMANDS AND WORK ENVIRONMENT: Ability to remain in a stationary position, often standing or sitting, for prolonged periods of time Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations Ability to lift and/or move up to 15 pounds Work is performed primarily in a professional office environment We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. We provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $21.00-$25.00 an hour commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Information Technology team as: Identity Access Professional This opportunity may be perfect for you if you have experience in: Oversee user lifecycle management (onboarding, role changes, offboarding) Manage user identities, enforce least-privilege access, and maintain audit readiness Implement and manage Identity Access Management (IAM) tools, polices, and procedures Conduct regular access reviews and audits Integrate IAM with security incident response processes About this position: The Identity Access Professional is responsible for safeguarding organizational assets by managing and overseeing IAM systems. This position ensures the right individuals have appropriate access to technology resources (systems, applications, and data), thereby minimizing security risks and maintaining compliance with regulatory standards. The Professional will design, implement, and maintain access controls policies and procedures that align with business objectives and security best practices. This role contributes to the organization’s overall cybersecurity position by ensuring robust identity governance and access management frameworks are in place and effectively managed. This position is 100% on-site in Glens Falls, NY. Essential Job Functions: Enforce least privileged principles, role-based access control (RBAC), and multi-factor authentication (MFA) Configure and maintain IAM tools, including Privileged Access Management (PAM) and Privileged Identity Management (PIM) Ensure adherence to regulatory requirements such as Sarbanes-Oxley Act (SOX), Health Insurance Portability and Accountability Act (HIPAA), and internal security policies Investigate and resolve IAM-related security incidents and access issues Administer user accounts, roles, and permissions across enterprise systems Develop workflows to streamline provisioning and de-provisioning processes Conduct regular access reviews, generate compliance reports, and support audits by preparing IAM documentation and evidence Define, monitor, and report on IAM-related metrics and KPIs to evaluate program effectiveness and compliance Develop and manage dashboards that provide real-time visibility into access trends, incident response times, and audit readiness, ensuring actionable insights for stakeholders What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: Bachelor’s Degree or equivalent experience required 6+ years of experience in one of the following areas: Computer Science, Information Technology, Cybersecurity, or a related field Skills/Knowledge: Knowledge in software development, quality assurance, operational risk, or data analysis Knowledge of financial products and services preferred Strong understanding of IAM concepts, including authentication, authorization, single sign-on (SSO), and MFA Experience with IAM tools, CyberArk preferred Knowledge of regulatory requirements related to access management (SOX, HIPAA) Familiarity with cloud environments and IAM integration platforms Strong communication skills, both written and verbal; comfortable collaborating with co-workers, management, and vendors Strong project management skills; proven ability to manage multiple priorities; demonstrated initiative, and ability to work independently with minimal instruction Proficient in Microsoft Office Suite: Word, Excel, Outlook, and PowerPoint Strong analytical skills with ability to collect, organize, analyze, and disseminate information with attention to detail and accuracy Physical Demands and Work Environment: Ability to remain in a stationary position, often standing or sitting, for prolonged periods of time Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations Ability to lift and/or move up to 15 pounds Work is performed primarily in a professional office environment Reasonable accommodations will be provided as required by law to enable qualified individuals to perform the essential functions of the job What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $75,000 - $85,000 per year commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Whether it's your hobby, main-gig, or supplemental job, apply online.

Whether it's your hobby, main-gig, or supplemental job, apply online.

Take your CDL-A career further! Our drivers work hard to move, supply, and provide for America's favorite brands.Being reliable and dedicated to safety has defined our success as an industry leader for 130 years.Join McLane and discover the driving difference-we provide you with industry-leading pay

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

ONLINE TRAINING & DOCUMENTS LIBRARY.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

Whether it's your hobby, main-gig, or supplemental job, apply online.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

Whether it's your hobby, main-gig, or supplemental job, apply online.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

Whether it's your hobby, main-gig, or supplemental job, apply online.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.

Whether it's your hobby, main-gig, or supplemental job, apply online.

Whether it's your hobby, main-gig, or supplemental job, apply online.

With most of our paid focus group studies, you have the option to participate remotely online or in-person. Job Benefits: * Flexibility to take part in discussions online or in-person.