Full-Time

Lead Software Engineer

Debit Card

Posted on 9/9/2026

M&T Bank

M&T Bank

10,001+ employees

Full-service banking with mortgage, deposits, loans

Compensation Overview

$116.4k - $194k/yr

Buffalo, NY, USA

Hybrid

Bachelor's, Associate's

Category
Software Engineering (1)
Required Skills
Middleware
Distributed Systems
Software Testing
Data Structures & Algorithms
Version Control
Observability
REST APIs

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Requirements
  • An Associate’s degree and a minimum of 7 years of systems analysis and/or application development work experience, or a Bachelor’s degree and a minimum of 5 years of systems analysis and/or application development work experience; in lieu of a degree, a combined minimum of 9 years of education and/or relevant work experience, including a minimum of 5 years of systems analysis and/or application development work experience.
  • Expert proficiency in at least one relevant programming language and professional proficiency in at least one additional relevant programming language.
Responsibilities
  • Develop and coach team members while working independently on applications within approved Software Development Life Cycle processes, including identifying and recommending metrics to address business needs and minimize bank risk through clean, resilient code.
  • Lead technical design and architecture discussions for large-scale modernization efforts and drive scalable API, middleware, and system integration solutions.
  • Review and approve solution designs, technical proposals, and pull requests while overseeing execution through established change management processes.
  • Design and facilitate peer review processes and coach others on code reviews, code quality, engineering best practices, and continuous improvement.
  • Author organized, clean, efficient, and secure source code at an expert level in one programming language and moderate proficiency in another, while coaching team members on data structures, algorithms, and integration patterns.
  • Provide hands-on technical guidance to engineering teams, resolve complex technical issues, and support implementation of modernization and integration initiatives.
  • Oversee team source control management activities and merge code developments into the production deployment path.
  • Review testing methodologies, integration testing strategies, and code coverage for API, middleware, and payment processing solutions.
  • Drive adherence to patterns and practices for performance testing, resiliency, observability, security, and optimization.
  • Review and approve requirement plans for completeness, accuracy, technical feasibility, and alignment with enterprise architecture standards.
  • Partner across engineering, architecture, infrastructure, and third-party integration teams to deliver complex technology solutions and drive continuous improvement.
  • Contribute technical requirements and design recommendations for business-critical applications, integration services, and payment technology platforms.
  • Communicate architecture, modernization roadmaps, project progress, technical risks, and implementation challenges to business and technical stakeholders.
  • Lead technical decision-making and establish engineering standards supporting scalability, maintainability, resiliency, and secure software development.
  • Contribute recommendations to application architecture, integration strategy, engineering practices, and technology patterns, and present solutions at architecture peer groups and architecture review board meetings.
  • Coordinate with enterprise architecture, infrastructure, security, and external technology partners to deliver integrated solutions.
  • Present team accomplishments and technical solutions at internal meetings and contribute to knowledge sharing through presentations, documentation, and blog posts.
  • Adhere to the company’s risk and regulatory standards, policies, and controls; identify risk-related issues requiring escalation to management.
  • Maintain 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
  • Expert analytical skills specific to application development.
  • Experience working in a team environment.
  • Ability to work autonomously.
  • Ability to multitask on multiple complex projects.
  • Strong organizational skills.
  • Strong time management skills.
  • Advanced verbal and written communication skills.
  • Experience driving project milestones and delivery dates.
  • Proven experience leading a project or initiative.
  • Experience partnering with and presenting to multiple stakeholders within technology and business departments.
  • Experience leading large-scale application modernization initiatives.
  • Experience designing and implementing API and middleware solutions.
  • Experience integrating internal systems with third-party platforms and services.
  • Experience supporting payment processing, transaction, or financial services technology environments.
  • Experience collaborating with architecture, infrastructure, security, and external technology partners.
  • Strong understanding of enterprise integration patterns, distributed systems, and service-oriented architectures.

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 Jobs

Simplify's Take

What believers are saying

  • Q2 2026 revenue reached $2.52 billion, beating consensus and rising 4.9% year over year.
  • Q2 2026 net income hit $818 million, while net charge-offs declined to $80 million.
  • A July 2026 app update added smoother navigation, biometric login, and configurable alerts.

What critics are saying

  • Commercial real estate grew $1.1 billion in Q2 2026, increasing credit-cycle exposure.
  • CET1 fell to 10.19% after $1.25 billion buybacks and $465 million repurchases.
  • Fintech lenders and digital-first banks pressure fee income, deposits, and branch economics by 2027.

What makes M&T Bank unique

  • M&T pairs regional deposits with commercial lending across the Northeast and Mid-Atlantic.
  • Its 2026 mobile app refresh strengthens sticky retail relationships and daily transaction usage.
  • Decades of community banking and multilingual branch programs deepen local trust and cross-sell opportunities.

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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

10%

2 year growth

10%
Yahoo Finance
Aug 28th, 2026
M&T Bank beats Q2 revenue estimates by 1.9% as regional banks show mixed results

Regional banks delivered mixed second-quarter results, with revenues matching analyst expectations on average. M&T Bank reported revenues of $2.52 billion, up 4.9% year on year and exceeding consensus estimates by 1.9%. The bank also beat earnings per share projections and narrowly surpassed net interest income forecasts. Despite the strong quarter, M&T Bank's shares fell 1.3% following the announcement, trading at $238.67. The decline suggests investor expectations may have been higher than published Wall Street projections. Regional banks as a group have struggled, with share prices down an average of 1.5% since their latest earnings releases. These institutions face challenges including fintech competition, deposit outflows, credit deterioration, regulatory costs, and concerns about commercial real estate exposure following recent high-profile bank failures.

Pulse 2.0
Aug 7th, 2026
Charles River Associates expands credit facility to $400M with six-bank syndicate

Charles River Associates has expanded its credit facility to $400 million through a six-bank lending syndicate. The five-year agreement includes a $75 million term loan and a $325 million revolving credit facility, replacing a previous $300 million facility set to mature in August 2027. The revolving facility can be reduced to $250 million between 16 July and 15 January each year when working-capital requirements are lower. CRA will use proceeds to repay outstanding borrowings, support working capital, fund growth investments, and cover general corporate purposes. The lending group includes Bank of America, Citizens Financial Group, Eastern Bank, and Beacon Bank & Trust, with BMO and M&T Bank joining as new lenders. The expanded facility provides additional liquidity as the consulting firm invests in its global economic, financial, and management advisory operations.

CommercialSearch
Jul 22nd, 2026
Merritt Lands $621M for Mid-Atlantic Portfolio

Merritt Properties has secured a $621 million refinancing loan for a portion of its 58-asset Maryland Industrial Portfolio.

Simply Wall St
Jul 21st, 2026
Does M&T’s US$600 Million Preferred Offering and Buyback Shift the Capital Story for MTB?

M&T Bank Corporation recently completed a US$600 million callable preferred depositary share offering, sold in two tranches totaling 24,000,000 shares at US$25 each, with multiple major banks, including J.P. Morgan, BofA Securities and others, acting as co‑lead underwriters. Around the same time, M&T Bank reported higher second‑quarter 2026 net interest income of US$1,792 million and net income of US$818 million, while also reducing net charge‑offs to US$80 million and completing a US$465...

Associated Press
Jul 16th, 2026
HEICO closes $1.2B senior notes offering to fund future acquisitions

HEICO Corporation has closed a $1.2 billion senior notes offering, comprising $550 million in 4.950% notes due 2031 and $650 million in 5.400% notes due 2036. The aerospace and defence company will use the proceeds to pay down borrowings under its $2.2 billion revolving credit agreement, maintaining capacity for future acquisitions. Co-Chairmen Eric and Victor Mendelson said the notes received investment grade ratings, building on HEICO's inaugural issuance in 2023. Chief Financial Officer Carlos Macau noted the offering expands the company's capital sources and provides greater flexibility for continued growth. HEICO designs and produces products for aviation, defence, space, medical, telecommunications and electronics industries through its Flight Support Group and Electronic Technologies Group.