---
title: 'Business Analyst - Canadian Payments at Form3 - External'
canonical: 'https://feeny.ai/job/business-analyst-canadian-payments-form3-external-canada-6se5hgyzz9ws'
type: 'job'
last_seen: '2026-09-14'
---

# Business Analyst - Canadian Payments at Form3 - External

- **Company:** Form3 - External
- **Location:** Canada
- **Work type:** remote
- **Posted:** 2026-08-26
- **Last confirmed live:** 2026-09-14
- **Apply:** https://www.form3.tech/careers/vacancies/8729802002?gh_jid=8729802002

## Job description

## THE ROLE 📝

We’re looking for a Business Analyst with strong payments experience to join Form3’s Product team and play an important role in building out our new Canadian Real-Time Rail (RTR) payment gateway.

Working closely with the Product Manager, you’ll be involved from an early stage in the build, helping to understand payment scheme and business requirements and turn them into clear, actionable requirements that support the development and delivery of the product.

What you’ll be doing:

- Work closely with the Product Manager to support the end-to-end build and delivery of Form3’s Canadian RTR payment gateway.
- Understand and analyse payment scheme, product and business requirements, translating these into clear and actionable requirements.
- Create high-quality user stories, acceptance criteria and functional and non-functional specifications.
- Analyse the impact of product changes and enhancements and clearly document requirements to support delivery.
- Use data and analysis to provide insights and support informed product decisions.
- Collaborate with stakeholders across Product, Engineering and the wider business throughout the product development lifecycle.
- Build deep knowledge of the Canadian payments ecosystem, becoming a trusted source of payments expertise for colleagues and stakeholders.
- Take ownership of key Business Analyst activities and deliverables, helping the team move from requirements through to successful product delivery.

## WE’RE LOOKING FOR 🔍

As RTR is a new payment scheme, we don’t expect you to have previous RTR experience. What’s much more important is a strong understanding of the Canadian payments landscape and infrastructure, with experience of payment rails such as Interac e-Transfer.

Knowledge of the wider North American payments landscape, including US schemes such as FedNow or RTP, would also be valuable.

Essential

- Experience working as a Business Analyst within payments, banking or FinTech.
- Strong knowledge of the Canadian payments ecosystem and infrastructure, ideally including experience with Interac e-Transfer or other Canadian payment rails.
- Experience translating complex business, product or payment scheme requirements into clear user stories, acceptance criteria and functional specifications.
- Strong technical understanding of APIs, cloud technologies and modern system architectures, with the ability to translate business requirements into clear technical requirements and collaborate effectively with Engineering teams.
- A good understanding of the product development lifecycle and experience supporting products from requirements through to delivery.
- Strong analytical skills, including experience using data to support decision-making.
- Excellent stakeholder management and communication skills, with the ability to make complex payment concepts clear and actionable.
- The ability to work autonomously, take ownership and operate effectively in a fast-paced environment.

Desirable

- Knowledge or experience of the US payments landscape, particularly real-time payment schemes such as FedNow and RTP.
- Experience working with real-time or instant payments.
- Broader knowledge of payment schemes, payment infrastructure and how financial institutions move money.

## 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: Zoom Interview with two Heads of Product Stage Four: Executive Review with the Chief Product Officer

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 LOCATION 📍

We are hiring remotely within the Canada in the following provinces:

- Ontario

All new joiners start their first day in one of our offices to collect the equipment needed to work remotely.

## BENEFITS 🏝️

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

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

## ABOUT FORM3 💭

Revolutionising the world of payments with our cloud-native, multi-cloud platform. For more information about Form3, check out the following pages:

[What we do](https://www.form3.tech/platform) | [Life at Form3](https://www.form3.tech/culture) | [Benefits](https://www.form3.tech/careers) | [Payments Cannot Fail Series](https://www.youtube.com/@Form3Cloud/podcasts) | [.Tech Podcast](https://techpodcast.form3.tech/episodes)

## 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 careers@form3.tech clearly stating your consent for us to process this data.

For more information please refer to our [Recruitment Data Policy](https://www.form3.tech/legal/recruitment-data-policy).

## About Form3 - External

## Company Overview
- **One-liner**: Form3 provides a cloud-native, real-time account-to-account payment technology platform for financial institutions, replacing legacy payments infrastructure.
- **Entity Type**: Private
- **Headquarters**: London, United Kingdom
- **Founded**: 2016
- **Founders**: Four banking and technology leaders (names not publicly disclosed)

## Core Business
- **Primary industry**: Financial technology (Payments)
- **Target customers**: B2B – financial institutions (banks, fintechs, payment service providers)
- **Mission**: To become the world’s most trusted provider of payment technology, transforming outdated, complex and costly payments infrastructure to a modern, cloud-native, real-time Payments-as-a-Service.

## Products & Services
- **[Form3 Payment Platform](https://www.form3.tech/platform)**: A multi-cloud (AWS, GCP, Azure), microservices-based platform for processing payments. Supports real-time payments, ACH, SEPA, and other schemes. Offers On-Us payment routing, payment orchestration, and direct non-settling model for SEPA. All data encrypted in transit and at rest per NIST standards.

## Market Standing
- **Valuation/Market Cap**: Not publicly available
- **Key Metric**: Total funding amount not disclosed in available sources; company is a scale‑up backed by venture capital.
- **Notable Investors/Partners**: Not explicitly listed in provided materials; partners include cloud providers (AWS, GCP, Azure). Accredited by HM Treasury as a Women in Finance Charter signatory and a Living Wage Employer.
- **Growth Signals**: Won “Team of the Year” award; active in multiple cloud providers with active-active-active architecture; expanding US ACH and real-time clearing services; published open source contributions as a Cloud Native Computing Foundation (CNCF) End User Supporter.

## Competitive Advantages
- **Multi-cloud active-active-active architecture** – ensures continuous availability and removes vendor concentration risk.
- **Built for scale** – on-demand scalability with microservices and cloud-native design.
- **High security & compliance** – fully accredited, NIST-standard encryption, request signing for confidentiality and non-repudiation.
- **Single integration** – one API connects to multiple payment schemes and value-added services.

## Strategic Focus
- Expanding geographic coverage (e.g., US real-time payments and ACH).
- Enabling regulatory compliance (e.g., upcoming regulation for real-time payments).
- Building complementary payment solutions like On-Us and orchestration.
- Strengthening partnerships with cloud providers and financial institutions.
- Contributing to open source via CNCF.

## Why Work Here
- **Remote-first culture** – fully flexible working; manage your own schedule; supportive of part-time and job sharing.
- **Generous time off** – 30 days annual leave plus summer hours.
- **Primary caregiver leave** – 3 months paid leave (additional month per year of tenure after 3 years).
- **Learning & Development** – annual L&D allowance plus up to 6 paid learning days per year.
- **Home office** – equipment allowance and DSE assessment.
- **Mental health support** – access to Spill (therapy) included.
- **Long-term incentives** – Employee Incentive Plan and equity (Long Term Incentive Plans).
- **Inclusive environment** – Living Wage Employer, Women in Finance Charter signatory, EcoVadis Bronze rating.
- **Company offsites** – regular gatherings to connect and collaborate.
- **“Everyone matters” philosophy** – transparent, high-standards, collaborative culture.

## Sources
1. [form3.tech – Platform](https://www.form3.tech/platform)
2. [form3.tech – Culture](https://www.form3.tech/culture)
3. [form3.tech – Careers](https://www.form3.tech/careers)
4. [form3.tech – Our Story](https://www.form3.tech/en-us/about/our-story)
5. [form3.tech – Engineering](https://www.form3.tech/en-us/engineering)

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