Senior Software Engineer - Payment Technology

M&T Bank Corporation; Buffalo (NY); Hybrid; USD 97,000 - 162,000; Full time

Job summary

M&T Bank Corporation in Buffalo, NY seeks an advanced software developer responsible for writing code within the SDLC, focused on high-volume payment applications. This role combines on-site collaboration at Seneca One Buffalo with the capacity to work from home one day per week.

You will review pull requests, design scalable solutions in Java/Spring Boot, and integrate REST and SOAP APIs while meeting banking standards and resiliency goals across production systems.

Qualifications

• Advanced proficiency in Java and Spring Boot for scalable, high-volume payment apps.
• 5-7 years of experience with Oracle/SQL Server including design and tuning.
• Experience with banking payments like Zelle, RTP, or digital processing.

Responsibilities

• Write clean, secure code within the approved SDLC to meet business needs and minimize risk.
• Regularly review pull requests and manage change in accordance with policies.
• Analyze requirements and collaborate to ensure complete, feasible technical solutions.
• Architect and implement APIs (SOAP/REST) for internal/external payment ecosystems.
• Support real-time payment systems with resiliency, monitoring, and incident management.

Skills

Java

Spring Boot

Banking payments

Education

Bachelor's degree in a related field

Associate’s degree with 3+ years experience

Tools

Oracle

SQL Server

SOAP

REST APIs

Job description

Overview

This role is four days onsite at our Seneca One Buffalo, NY location, with the flexibility to work from home one day per week. Responsible at the advanced level for writing code and the team's technical requirements gathering. Independently completes work following banking technology standards and contributes to the overall stability and resiliency of banking technology within the Software Development Lifecycle (SDLC).

Primary Responsibilities

• Work independently and within the boundaries of the approved Software Development Lifecycle (SDLC) to process, design, and develop applications to solve business needs and minimize risks to the Bank by writing clean and resilient code.
• Regularly review pull requests, provide feedback, and execute on the change management of the request.
• Author organized, clean, efficient, and secure source code at an advanced level in a minimum of one programming language to be verified by a lead software engineer and apply knowledge of appropriate data structure and algorithms to solve business problems.
• Utilize source code management tools to manage and deploy code/ applications and ensure compliance with SDLC policies and support merge conflict resolution.
• Independently analyze and critique technical and business requirements to ensure completeness, accuracy, and feasibility.
• Collaborate, document, and communicate technical implementation details clearly and concisely with other teams on dependent requirements as needed.
• Conduct code reviews, providing constructive feedback on code quality and improvements to team members.
• Contribute to conversations with business or technical stakeholders and teams regarding the architecture of their applications.
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.
• Identify risk-related issues needing escalation to management.
• Promote an environment that supports a culture of belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Supervisory/Managerial Responsibilities

No supervisory responsibilities.

Education and Experience Required

• Associate’s degree and a minimum of 5 years’ systems analysis and/ or application development work experience or Bachelor's degree and a minimum of 3 years’ systems analysis and/ or application development work experience.
• In lieu of degree, a combined minimum of 7 years’ education and/or relevant work experience, including a minimum of 3 years’ systems analysis and/or application development work experience.
• Advanced proficiency in Java and Spring Boot, with experience developing scalable, high-volume payment applications.
• 5-7 years of experience with Oracle and/or SQL Server, including database design, performance tuning, and complex query development.
• Strong experience in banking payments, including Zelle, RTP, or digital payment processing.
• Hands-on experience designing and integrating SOAP and REST APIs for internal and external payment ecosystem partners.
• Experience supporting mission-critical, real-time payment systems in a 24x7 production environment, with a focus on resiliency, monitoring, and incident management.

Education and Experience Preferred

• Advanced analytical skills specific to application development.
• Experience working in a team environment.
• Ability to work autonomously.
• Ability to multitask on complex projects.
• Strong organizational skills.
• Strong time management skills.
• Proficient verbal and written communication skills.

Compensation

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $97,100.00 - $161,800.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Buffalo, New York, United States of America

Company Culture

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.

Equal Employment Opportunity

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. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.