Senior Product Owner – Enterprise API Strategy & Ecosystem Enablement

M&T Bank Corporation; Buffalo (NY); On-site; USD 148,000 - 247,000; Full time

Job summary

M&T Bank Corporation in Buffalo, NY, seeks a Senior Product Owner to lead the end‑to‑end API strategy for the enterprise platform. You will own the vision, roadmap, and value delivery across Digital Assets, Open Banking, and commercial banking APIs, partnering across risk, technology, and business teams.

You will shape portfolio‑level priorities, ensure security/compliance by design, and drive reusable APIs across multiple teams while navigating a regulated environment.

Qualifications

• Bachelor’s degree with 10+ years of business/technical/product experience.
• 7+ years in Product Ownership or Product Management for platform or enterprise capabilities.
• Hands-on experience delivering bank APIs with REST APIs, OpenAPI/Swagger, versioning and security.
• Experience translating multi-stakeholder strategy into executable roadmaps.
• Strong written and verbal communication with senior stakeholders.
• Experience operating in regulated environments.
• Ability to influence without authority in matrixed organizations.
• Focus on customer and business outcomes over purely technical aspects.

Responsibilities

• Define and own the enterprise API product vision and roadmap spanning Digital Assets, Open Banking, and Banking APIs.
• Translate enterprise strategy into sequenced, outcome-oriented roadmaps aligned to business objectives.
• Operate at portfolio/ART level defining features, epics, and cross-team dependencies.
• Own the API platform product model ensuring reusable, scalable, compliant services by design.
• Drive developer experience including API docs, onboarding patterns, and portal/sandbox needs.
• Identify business and regulatory opportunities and required resources to pursue them.
• Establish and evolve API governance and standards with security and regulatory expectations.

Skills

APIs

Open Banking

REST APIs

OpenAPI/Swagger

Roadmaps

Education

Bachelor’s degree or higher

Tools

API portals

Developer portals

Documentation standards

Job description

Role is not eligible for visa sponsorship, meaning you will need to be able to secure and maintain work authorization without the need for a written submission by the company to the government agency, or the need for the company to make an entry as the immigration employer of record (e.g., STEM OPT training plan, I-20 Form endorsed for CPT, TN employer, etc.). Location: Buffalo, NY (relocation available).

Overview

M&T is scaling its enterprise API platform to enable Digital Assets, Open Banking, and repeatable client and fintech integrations. The Senior Product Owner owns the end-to-end product strategy, roadmap, and value delivery for enterprise API capabilities, operating at Senior PO scope across multiple teams and stakeholders. This role defines the vision, outcomes, and governance for APIs as a strategic platform, partnering closely with Digital Assets leadership, Open Banking stakeholders, Commercial Banking partners, and enterprise risk and technology teams. This role operates beyond a single backlog—shaping portfolio-level priorities, aligning across Product Owners, and ensuring API capabilities are secure, compliant, scalable, and reusable across the bank.

Primary Responsibilities

• Define and own the enterprise API product vision and roadmap spanning Digital Assets and stablecoin enablement, Dodd-Frank 1033 and Open Banking, Commercial Banking and Treasury Management APIs, and fintech and partner integrations.
• Translate enterprise and line-of-business strategy into sequenced, outcome-oriented product roadmaps aligned to business objectives and value delivery.
• Operate at the portfolio and ART level, defining features, epics, and cross-team dependencies rather than only team-level stories.
• Own the API platform product model, ensuring services are reusable, scalable, and compliant by design.
• Drive developer experience outcomes, including API documentation standards, onboarding patterns, and developer portal and sandbox requirements.
• Identify business and/or regulatory opportunities and appropriate resource requirements to pursue solutions for those opportunities.
• Establish and evolve API governance and standards aligned with enterprise principles, security, and regulatory expectations.
• Influence senior stakeholders through clear decision framing, tradeoff articulation, and value-based prioritization.
• Partner with engineering and architecture to ensure APIs are secure, compliant, and designed for long-term reuse and extensibility.
• Ensure delivery aligns with Digital Operational standards and enterprise risk appetite, internal controls, and audit expectations.
• Focus on outcomes over outputs using metrics and feedback loops.
• Provide direction and alignment to other Product Owners in the API ecosystem.
• Write user stories and groom the backlog in partnership with the team.
• Specify acceptance criteria for each user story in support of moving the team to Acceptance Test-Driven Development (ATDD).
• Drive consistency in prioritization, standards, and delivery practices across teams.
• Contribute to Product Owner maturity through coaching and shared practices.

Education and Experience Required

• Bachelor’s degree and a minimum of 10 years’ business, analytical, technical and/or product experience, or in lieu of a degree, a combined minimum of 14 years’ higher education and/or work experience, including a minimum of 10 years’ business, analytical, technical and/or product experience.
• Minimum of 7 years of experience in Product Ownership or Product Management for platform or enterprise capabilities.
• Demonstrated ownership and production delivery of bank APIs, with hands‑on experience managing external‑facing REST APIs in financial services, encompassing API contract design (OpenAPI/Swagger), versioning, backward compatibility, and security and customer consent requirements.
• Proven success translating multi‑stakeholder strategy into executable roadmaps.
• Strong written and verbal communication skills with senior stakeholders.
• Experience operating in regulated environments.
• Ability to influence without authority in matrixed organizations.
• Ability to focus on customer and business outcomes vs. technical “how”.

Education and Experience Preferred

• Experience with Open Banking and consent-driven data sharing (e.g., Dodd-Frank 1033).
• Experience with enterprise developer portals, API catalogs, and documentation standards.
• Background in B2B, Commercial Banking, embedded banking, or partner platforms.
• Familiarity with digital assets or emerging payments technologies.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $148,300.00 - $247,100.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve.

M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York.

M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust.

M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C.

For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers.

We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution.

As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year.

Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do.

We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.

View M&T’s Human Capital Report to learn more.

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.