Product Owner - US Payments

Form3; Northern (KY); Hybrid; USD 110,000 - 170,000; Full time

Job summary

Form3 is seeking a Product Owner/Business Analyst to lead the US Payments product line. You will collaborate with Product Owners, Managers, and Engineering across FedNow, RTP, Fedwire, Zelle, and ACH to drive end-to-end delivery and define clear requirements for scalable solutions.

You will become the SME for Form3’s US payments suite, shaping product decisions, analysing impact of changes, and communicating effectively with internal teams and external stakeholders.

Qualifications

• Over 3 years experience in a Product Owner/Business Analyst role.
• Experience with US payment gateway products (FedNow, RTP, ACH, Fedwire, Zelle).
• Proven ability to write user stories and acceptance criteria, and to define features and non-functional specs.

Responsibilities

• Collaborate across FedNow, RTP, Fedwire, Zelle and ACH product lines to support end-to-end delivery of payments solutions.
• Partner with business to build future products and gateways.
• Translate product vision into actionable requirements with cross-functional Engineering teams.
• Become SME for Form3’s US payments product suite and guide internal and external stakeholders.
• Analyse impact of product changes and document requirements for continuous improvement.
• Own tasks like writing user stories, defining acceptance criteria, and data analysis.
• Develop understanding of the US product line and platform architecture to inform prioritisation.

Skills

Product ownership

Requirements writing

Data analysis

Stakeholder management

API experience

US payments knowledge

Zelle knowledge

Agile SDLC

Job description

Join Form3's US Product team as a Business Analyst to make a meaningful impact on the build and delivery of Form3's Payments products across the US.

THE ROLE

This is an exciting opportunity for a Product Owner to join the US Product team within Form3.This role will act as a product expert for both internal teams and external stakeholders, driving continuous improvement and providing clarity on Form3’s full US Payments product suite.With previous experience working across US A2A Payment rails, you will be supporting the wider team to make informed decisions, making a meaningful impact on the build and delivery of Form3’s US Payments products.

Key Responsibilities

• Collaborate effectively across the FedNow, RTP, Fedwire, Zelle and ACH product lines, working closely with Product Owners and Product Managers to support the end-to-end delivery of payments solutions.
• Partner with the wider business to initiate and support the build of future products, such as Form3’s Zelle, Fedwire and ACH gateways.
• Partner with cross-functional Engineering teams across the US to translate product vision into actionable requirements.
• Become a Subject Matter Expert on Form3’s full US payments product suite, offering guidance and clarity to both internal teams and external stakeholders.
• Analyse the impact of product changes and enhancements quickly and effectively, shaping and documenting requirements to support continuous improvement.
• Take full ownership of certain tasks within the team, such as writing user stories, defining acceptance criteria, creating functional features and non-functional specifications, and analysing data.
• Develop a high-level understanding of the overall US product line and underlying platform architecture to further inform decision-making and prioritisation.

Form3’s Product team is a central function to the success of our US offering, we're therefore looking for an ambitious and versatile Product Owner who can act autonomously, whilst also working well as a key player within a close-knit and delivery focused team.

• Over 3 years experience in a Product Owner (Business Analyst) role.
• Experienced working on US Payment gateway products (e.g. FedNow; RTP; ACH; Fedwire; Zelle), with in-depth knowledge of how these schemes work.
• Proven ability in writing user stories, defining acceptance criteria, and creating functional features and non-functional specifications.
• Technical experience working with API and/or cloud-based product offerings.
• Hands‑on experience with data analysis and presenting insights to a wide range of internal and external stakeholders.
• Understanding of the full product development lifecycle.
• Excellent stakeholder management and communication skills, with the ability to collaborate effectively across multiple internal teams, particularly within Engineering.
• Ability to operate effectively in a fast‑paced, high‑growth environment.
• Previous experience working on Zelle products, with demonstrated understanding of how Zelle differs to other US payment schemes and experience of implementing Zelle gateways.
• Experience within an external‑facing role, in which partnering with customers / clients has been a core responsibility.

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!

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.

Form3 are a 100% remote, flexible businessand are able to offer part-time working arrangements. We believethisenablesour people to achieve amazingthingswithahealthy work-life balance.

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

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:

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 [e-mail] clearly stating your consent for us to process this data.