Senior Software Engineer - Payment Technology

mtb; United States; Hybrid; USD 97,000 - 162,000; Full time

Job summary

M&T Bank is seeking an experienced software professional for an advanced role in Buffalo, NY. The position emphasizes writing scalable, secure code in Java/Spring Boot for high-volume payment apps, with strong SQL/Oracle skills and API integration capabilities.

You will work four days onsite at Seneca One Buffalo with a flexibility to work from home one day per week, contributing to resilient banking technology within the SDLC and regulatory framework.

Qualifications

• 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.

Responsibilities

• Write code and gather requirements following the SDLC.
• Review pull requests and manage change approvals.
• Deliver organized, secure source code in at least one language.
• Manage code deployments and resolve merge conflicts.
• Analyze requirements for feasibility and accuracy.
• Document and communicate technical details with other teams.
• Conduct code reviews and provide feedback on quality.
• Contribute to architectural discussions for applications.
• Adhere to risk, regulatory standards, and internal controls.

Skills

Java

Spring Boot

SQL Server

Oracle

Payment processing

REST APIs

SOAP APIs

High availability

Education

Bachelor's or Associate's degree in related field

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.

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