Senior Software Engineer - Payment Technology

M&T BANK CORPORATION; South Dakota; Hybrid; USD 97,000 - 162,000; Full time

Job summary

M&T Bank is seeking an experienced software engineer in Buffalo, NY. The role focuses on writing high-quality Java/Spring Boot code for scalable, real-time payment applications within the SDLC, and ensuring resiliency of critical systems.

You will review code, analyze requirements, and collaborate with business and technical stakeholders to drive robust architectures. The position requires 5–7 years in systems analysis or development with banking payments experience.

Qualifications

• Advanced proficiency in Java and Spring Boot for scalable payment applications.
• 5-7 years with Oracle and/or SQL Server incl. design, performance tuning, complex queries.
• Strong experience in banking payments (Zelle, RTP, or digital payments).
• Hands-on design/integration of SOAP and REST APIs for internal/external partners.

Responsibilities

• Write clean, secure, scalable code within SDLC and payment domains.
• Review PRs, provide feedback, and manage change requests.
• Analyze requirements for completeness, accuracy, and feasibility.
• Collaborate and document technical implementation details with teams.

Skills

Java

Spring Boot

REST APIs

SOAP APIs

Oracle/SQL Server

SQL

Payment systems

Real-time payments

Education

Assoc. degree + 5y

Bachelors + 3y

Job description

This role is four days onsite at our Seneca One Buffalo, NY location, with the flexibility to work from home one day per week

Overview:

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

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