Senior Business Analyst - US Payments

THE ROLE

This is an exciting opportunity for a Senior Business Analyst to join the US Product team at Form3. The role will support the continued development and delivery of Form3’s US payments product suite, acting as a subject matter expert across the relevant payment schemes and working closely with Product, Engineering and external stakeholders.

Depending on your experience and background, you may focus on the ongoing development and optimisation of our live FedNow and RTP solutions, or support the build of new capabilities across ACH and Fedwire.

Key Responsibilities

• Take ownership of business analysis activities across one or more US payment product lines, depending on your experience and background.
• Support the development and continuous improvement of our live FedNow and RTP solutions and/or support the design and build of new ACH and Fedwire gateway capabilities.
• Develop a strong understanding of the relevant US payment schemes, including their rules, processes and technical requirements. Act as a subject matter expert for internal teams and external stakeholders.
• Work closely with Product Managers and Engineering teams to translate product requirements into deliverable solutions.
• Write user stories, define acceptance criteria and create functional and non-functional specifications.
• Analyse the impact of product changes across APIs, services, data and operational processes.
• Support product discovery, testing and delivery throughout the product development lifecycle.
• Use data and customer insight to inform product decisions and identify opportunities for improvement.

WE ARE LOOKING FOR

We are looking for an experienced and versatile Senior Business Analyst with strong knowledge of US payments and the ability to take ownership of complex areas of work.

Essential:

• Significant experience as a Senior Business Analyst, Business Analyst, Product Owner or in a similar product-focused role within payments or financial services.
• Strong experience working with US payment schemes, ideally including FedNow, RTP, ACH and/or Fedwire.
• A detailed understanding of how relevant US payment schemes operate.
• Experience working with payment gateway products, APIs and/or cloud-based technology.
• Proven experience writing user stories, acceptance criteria and functional requirements.
• Experience analysing complex requirements and their impact across products, services and platforms.
• A strong understanding of the product development lifecycle.
• Excellent stakeholder management and communication skills, particularly when working with Engineering teams.
• The ability to work autonomously and effectively in a fast-paced, delivery-focused environment.

INTERVIEW PROCESS ✍️

Stage One: Screening Call with the Talent Team

Stage Two: Team Interview with a Senior Business Analyst and Senior Product Manager

Stage Three: Case Study Interview with two Heads of Product

We always aim to stick to the above process; however, there may be occasions when an additional interview stage is required for us to be sure we are hiring the right person!

HIRING LOCATIONS  

We're currently able to consider applications from candidates based in Ontario (Canada) and the following US states: Connecticut, Florida, New Jersey, New York and North Carolina.

This is a fully remote role. You'll be expected to travel occasionally for team and customer meetings, primarily to New York, with occasional travel to the UK.

BENEFITS ️ 

Form3 are a 100% remote, flexible business and are able to offer part-time working arrangements. We believe this enables our people to achieve amazing things with a healthy work-life balance.  

For further information on what it’s like to work here, and for more information on our full benefits package, visit our  careers page . If you have any other questions, we’d be happy to discuss these with your during the interview process.  

ABOUT FORM3   

At Form3, we're building the technology that powers the future of account-to-account payments, helping banks and financial institutions deliver faster, smarter and more resilient payment experiences. We're committed to creating a flexible, inclusive workplace where people can do their best work. As a remote-first company, we support flexible working patterns and offer part-time opportunities where possible. We continually invest in our people through a competitive benefits package, although these vary by location. Speak to our Talent Team to learn what's available where you are.

For more information about life at Form3, check out the following pages:

OUR DEI&B COMMITMENT  

We hire talented people from a variety of backgrounds and experiences and are committed to a work environment based on diversity, open-mindedness and curiosity. We’re united by our company values (we even created them together!) and we celebrate our unique differences.  

Our employee lifecycle processes are designed to embrace equal opportunity and prevent discrimination against our people regardless of personal characteristics. It is our strong belief that the more inclusive and belonging we are as a business, the better our work will be.  

As an inclusive employer, we guarantee to interview all neurodiverse and physically disabled applicants who meet the minimum criteria for this role. We also encourage candidates to notify us of any reasonable adjustments that may be required during the recruitment process. This includes providing job adverts in alternative, accessible formats or adjustments required at interview stage.  

If you consider yourself to be neurodiverse or physically disabled under the UN definition of disability and would like to be considered under this scheme and/or require any reasonable adjustments please let us know by sending an email to View email address on jobsbylevel.com clearly stating your consent for us to process this data.

For more information please refer to our Recruitment Data Policy .