---
title: 'Senior Business Analyst - US Payments at Form3 - External'
canonical: 'https://feeny.ai/job/senior-business-analyst-us-payments-form3-external-united-states-canada-vgw1jfdwjysn'
type: 'job'
last_seen: '2026-10-19'
---

# Senior Business Analyst - US Payments at Form3 - External

- **Company:** Form3 - External
- **Location:** United States / Canada
- **Work type:** remote
- **Posted:** 2026-02-25
- **Last confirmed live:** 2026-10-19
- **Apply:** https://www.form3.tech/careers/vacancies/8425540002?gh_jid=8425540002

## Job description

## 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](https://www.form3.tech/careers). 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:

[What we do](https://vimeo.com/465419215) | [Life at Form3](https://www.form3.tech/culture) | [Benefits](https://www.form3.tech/careers) | [Flexa-verified employer](https://flexa.careers/companies/form3) | [Podcasts](https://podcast.form3.tech/)

## 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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