M

M&T Bank

Full-service banking with mortgage, deposits, loans

Senior Software Engineer - .Net Full Stack

Full-Time
$97.1k - $161.8k/yr
Senior
Bachelor's, Associate's
Buffalo, NY, USA
Hybrid
Software EngineeringFull-Stack Engineering

About the job

Requirements
  • An Associate’s degree and at least 5 years of systems analysis and/or application development experience, or a Bachelor’s degree and at least 3 years of that experience. In lieu of a degree, a combined minimum of 7 years of education and/or relevant work experience is accepted, including at least 3 years of systems analysis and/or application development experience.
  • Advanced proficiency in one or more relevant programming languages.
  • Strong experience with Microsoft .NET, ASP.NET Core, C#, Angular, JavaScript/TypeScript, HTML, and CSS.
  • Experience designing, developing, and supporting RESTful APIs and modern web applications.
  • Experience with Microsoft SQL Server, database design, optimization, and query development.
  • Experience developing ETL processes and working with SQL Server Integration Services (SSIS) or similar data integration technologies.
  • Experience building and executing automated unit and integration tests using xUnit, Moq, Jasmine, Karma, or comparable frameworks.
  • Experience with source control systems, build automation, and CI/CD pipelines.
  • Experience working with Azure cloud services and modern DevOps practices.
  • Strong understanding of software development best practices, application architecture, and SDLC methodologies.
Responsibilities
  • Work independently within the approved Software Development Lifecycle (SDLC) to process, design, and develop applications that address business needs and minimize Bank risks by writing clean and resilient code.
  • Design, develop, enhance, and support enterprise applications using .NET, ASP.NET Core, Angular, SQL Server, and related technologies.
  • Develop and maintain REST APIs, responsive web applications, ETL solutions, and scalable database systems that support business and technology objectives.
  • Review pull requests regularly, provide feedback, and execute change management requests.
  • Author organized, clean, efficient, secure, and maintainable source code at an advanced level in one or more programming languages, applying appropriate data structures and algorithms to solve business problems.
  • Use source code management tools to manage and deploy applications, ensure compliance with SDLC policies, and support merge conflict resolution.
  • Develop and maintain automated unit and integration tests using tools such as xUnit, Moq, Jasmine, and Karma.
  • Analyze and critique technical and business requirements for completeness, accuracy, and feasibility.
  • Collaborate with other teams as needed, documenting and communicating technical implementation details for dependent requirements.
  • Conduct code reviews and provide constructive feedback on code quality, performance, security, and maintainability.
  • Contribute to discussions with business and technical stakeholders about solution architecture, application design, and technology roadmaps.
  • Use Azure cloud services, CI/CD pipelines, DevOps practices, and automated deployment processes to improve software delivery and operational efficiency.
  • Participate in Agile and/or SAFe delivery teams, contributing to planning, estimation, execution, and continuous improvement.
  • Adhere to company risk and regulatory standards, policies, and controls; identify risk-related issues requiring escalation to management.
  • Promote an environment that supports belonging and reflects the M&T Bank brand.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points and applicable issues raised by external regulators.
  • Complete other related duties as assigned.
Desired Qualifications
  • Advanced analytical skills specific to application development.
  • Experience working in an Agile and/or SAFe environment.
  • Experience working in a collaborative 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.
  • Experience contributing to cloud-native, distributed, or highly scalable application architectures.

About the company

M&T Bank is a full-service financial institution that offers a wide range of banking solutions for individuals, small businesses, and larger enterprises. Its products include personal and business checking accounts, mortgage assistance programs, loans, deposits, investment products, and mobile banking. The bank serves mainly customers in the Northeastern and Mid-Atlantic United States and emphasizes community engagement and customer-focused service. It generates revenue from interest income, fees, and service charges tied to loans, deposits, and other financial products. The company’s recent merger with United Bank, N.A. expands its footprint and enhances its service offerings. The goal is to provide accessible financial services to communities while growing its market presence and deepening local connections.

Company Size

10,001+

Company Stage

IPO

Headquarters

Buffalo, New York

Founded

1993

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Simplify's Take

What believers are saying

  • On July 15, 2026, M&T reported record quarterly EPS of $5.32.
  • Average loans rose $3.0 billion in Q2 2026, led by commercial lending and CRE.
  • M&T repurchased $465 million of stock in Q2 2026 while CET1 stayed 10.19%.

What critics are saying

  • Average deposits fell $0.7 billion in Q2 2026, tightening funding and forcing pricier borrowings.
  • Commercial real estate balances reached $24.5 billion; 2027 refinancing stress hits credit costs and earnings.
  • A severe CRE downturn forces reserve spikes, buyback cuts, and capital-trapping regulation through 2027.

What makes M&T Bank unique

  • M&T Bank’s Q2 2026 balance sheet paired $168.9 billion deposits with $141.4 billion loans.
  • Ninety percent of C&I businesses grew quarter-over-quarter in Q2 2026, proving deep relationship banking.
  • The People’s United merger expanded M&T’s Northeast-Atlantic branch and deposit footprint after 2022.

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Benefits

401(k) Company Match

401(k) Retirement Plan

Flexible Work Hours

Hybrid Work Options

Paid Vacation

Paid Holidays

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Health Savings Account/Flexible Spending Account

Growth & Insights and Company News

Headcount

6 month growth

10%

1 year growth

11%

2 year growth

11%
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