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M&T Bank

Full-service banking with mortgage, deposits, loans

Principal AI Platform Engineer

Full-Time
$139.7k - $232.9k/yr
Expert
Bachelor's, Associate's
Remote in USA+1 moreMore locations: Clanton, AL, USA
RemoteRemote-eligible in the USA; the posting also lists Clanton, Alabama.
Software EngineeringAI Application Engineering

About the job

Requirements
  • An associate’s degree and at least 9 years of systems analysis and/or application development experience, or a bachelor’s degree and at least 7 years of such experience. In lieu of a degree, a combined minimum of 11 years of education and/or relevant work experience, including at least 7 years of systems analysis and/or application development experience.
  • Expert proficiency in at least one relevant programming language and advanced proficiency in at least one additional relevant programming language.
  • A strong foundation in software engineering principles, data structures, algorithms, and distributed system design.
  • Hands-on experience developing production applications using Java, Python, C#, or other modern enterprise programming languages.
  • Experience designing and integrating RESTful APIs, microservices, and API-driven architectures.
  • Advanced knowledge of Generative AI, Large Language Models, prompt engineering, and AI application development.
  • Experience building and supporting AI-enabled applications within enterprise software development life cycle, security, compliance, and governance frameworks.
  • A proven ability to influence technical direction, engineering standards, and architectural decisions across multiple teams.
Responsibilities
  • Design, develop, and support enterprise-scale Generative AI solutions, including AI-assisted development, documentation, testing, analytics, and workflow automation capabilities.
  • Lead the architecture, implementation, and optimization of Retrieval-Augmented Generation solutions, including ingestion pipelines, embeddings, vector stores, retrieval frameworks, and search capabilities.
  • Design, review, and approve agent-based and tool-integrated AI architectures, including multi-step large language model workflows using approved enterprise platforms and services.
  • Develop and oversee application programming interfaces, shared services, and reusable frameworks that connect AI models to internal systems, platforms, and approved third-party tools.
  • Establish prompt engineering standards, evaluation methodologies, and testing frameworks to continuously improve AI solution quality, reliability, safety, and performance.
  • Drive model testing, benchmarking, evaluation, and performance analysis using enterprise-approved frameworks and governance standards.
  • Author organized, secure, scalable, and maintainable code at the expert level using multiple programming languages, including Java, Python, and C#, while promoting engineering excellence across teams.
  • Lead technical discussions with Product Managers, Architects, Engineers, and senior stakeholders to translate business objectives into enterprise-scale AI solutions.
  • Serve as a subject matter expert for Generative AI, AI platform engineering, and responsible AI practices across Technology.
  • Mentor and coach engineers on software engineering best practices, AI architecture patterns, algorithms, data structures, and enterprise platform design.
  • Contribute to technical roadmaps that balance strategic AI initiatives, platform modernization, innovation, operational excellence, and technical debt reduction.
  • Define and champion architecture standards, design patterns, and implementation guidance for AI-enabled solutions across multiple technology domains.
  • Apply and analyze engineering, operational, and AI performance metrics to identify opportunities for process improvement, platform optimization, and increased adoption.
  • Lead implementation of resiliency, performance, observability, and security best practices within AI platforms and services.
  • Drive adoption of responsible AI, model governance, security, compliance, privacy, and risk management standards throughout the AI development lifecycle.
  • Participate in and present to enterprise architecture forums, engineering councils, and leadership committees while influencing AI strategy and technology direction.
  • 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 requiring 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 and issues raised by external regulators as applicable.
  • Complete other related duties as assigned.
Desired Qualifications
  • Experience implementing enterprise Generative AI solutions within financial services or other highly regulated industries.
  • Deep expertise in Retrieval-Augmented Generation, embeddings, vector databases, retrieval frameworks, and semantic search technologies.
  • A strong understanding of Transformer architectures, attention mechanisms, tokenization strategies, and model evaluation techniques.
  • Experience designing AI agents, tool-integrated workflows, and advanced large language model orchestration frameworks.
  • Expertise with Microsoft Azure, Azure AI Services, OpenAI technologies, and cloud-native AI platforms.
  • Experience establishing enterprise AI governance, responsible AI practices, and model risk management controls.
  • Experience leading large-scale technical initiatives, platform modernization efforts, or enterprise capability rollouts.
  • Proven experience influencing senior technology and business stakeholders and driving enterprise-wide adoption of new technologies.
  • Ability to work autonomously while leading complex technical initiatives across multiple teams.
  • Advanced verbal and written communication skills, including the ability to present complex technical concepts to executive audiences.
  • Proven subject matter expertise in AI platform engineering, software architecture, and enterprise application development.
  • Experience with continuous integration and continuous delivery pipelines, DevOps tooling, automated testing, observability, and platform reliability engineering practices.

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

6 month growth

0%

1 year growth

11%

2 year growth

11%
PR Newswire
Oct 26th, 2026
M&T Bank and Wilmington Trust appoint Brian Green as chief investment officer

M&T Bank Corp. has named Brian Green chief investment officer for M&T Bank and Wilmington Trust, effective October 26, 2026. He succeeds Tony Roth, who retires at the end of this year. Green will lead the Asset Management team of economists, strategists, researchers, and portfolio managers serving wealth and institutional clients. He will set the investment philosophy and oversee strategies, reporting to Lisa Roberts, head of wealth management at Wilmington Trust. Green has more than 30 years of experience in investment management and private wealth. He most recently served as chief investment officer of private wealth at Glenmede Trust Co. and earlier held investment roles at BNY Mellon and JPMorgan Chase. "Brian has extensive experience developing tailored investment solutions for both individual and institutional clients," Roberts said.

Yahoo Finance
Oct 18th, 2026
M&T Bank Q3 net income falls to $732M as costs rise and margin slips to 3.65%

M&T Bank reported third-quarter 2026 net income of $732 million, down from $754 million a year earlier. Its shares slipped about 1.5% on the first trading day after the release. Revenue edged up to $2,401 million from $2,388 million. Basic earnings per share rose to $5.08 from $4.85, while net interest margin narrowed to 3.65% from 3.68%. Costs weighed on results. Noninterest expense rose to $1.39 billion, deposit costs climbed to 2.05%, and the cost-to-income ratio reached 54.4%. Capital stayed solid. The bank's CET1 ratio was 10.16% after $323 million of buybacks, and operating return on tangible common equity was 17.3%.

Yahoo Finance
Oct 16th, 2026
M&T Bank hits record SBA 7(a) lending, ranks fifth nationally as market softens; $5B buyback approved

M&T Bank reported record SBA 7(a) loan volume and dollar amounts in its history. It ranked first in fiscal year 2026 by number of loans across its communities and rose to fifth nationally among SBA 7(a) lenders. The result comes as national SBA 7(a) activity pulled back. It marks 18 consecutive years as a leading SBA lender for the bank. On March 30, the board authorised share repurchases of up to $5,000 million. Management intends to run a CET1 ratio toward the lower end of the 10% to 10.5% range. Risks remain, including funding costs, deposit mix, and high noninterest expenses.

MarketScreener
Oct 2nd, 2026
NETSTREIT Corp. Announces $550.0 Million in Additional Financing Commitments and Amendments to Existing Credit Facilities

NETSTREIT Corp. announced the closing of $550.0 million in additional financing commitments and amendments to its existing credit facilities agented by PNC Bank, National Association , Wells Fargo...

TipRanks
Sep 18th, 2026
Constellation Brands secures $300M delayed draw term loan for corporate flexibility

Constellation Brands has entered into a new term loan credit agreement worth up to $300 million with Manufacturers and Traders Trust Company and other lenders. The delayed draw facility, established on 18 September 2026, will be used for general corporate purposes, including potential debt repayment. The two-year term loans carry interest linked to Term SOFR or a base rate with rating-based margins. Unused commitments will incur a ticking fee beginning 30 days after closing. The agreement includes covenants that mirror the company's existing revolving credit facility. These impose limits on subsidiary indebtedness, liens, mergers, affiliate transactions, and sale-leasebacks, whilst requiring minimum interest coverage and maximum net leverage ratios. The structure is designed to reinforce Constellation Brands' financial flexibility and balance-sheet management.