Product Owner - US Payments

Form3 - External; United States; Remote; USD 100,000 - 150,000; Full time

Job summary

Form3’s US Product team is seeking a Product Owner to act as a product expert for internal teams and external stakeholders, driving continuous improvement across the US Payments product suite.

With experience across US A2A rails, you will support the wider team to make informed decisions, shaping the build and delivery of Form3’s US payments products. This is a fully remote role with potential travel to New York and the UK.

Qualifications

• Over 3 years of experience as a Product Owner (Business Analyst) in a payments or fintech environment.
• Experience with US payment gateways (FedNow, RTP, ACH, Fedwire, Zelle) is essential.
• Proven ability to write user stories, define acceptance criteria and functional specs.
• Technical experience with API and cloud-based product offerings.
• Hands-on data analysis and communicating insights to diverse stakeholders.
• Understand full product development lifecycle and strong collaboration with engineering.

Responsibilities

• Collaborate across FedNow, RTP, Fedwire, Zelle and ACH product lines to support end-to-end delivery.
• Partner with the wider business to build future products, including Zelle, Fedwire and ACH gateways.
• Work with cross-functional Engineering teams to translate product vision into actionable requirements.
• Become a Subject Matter Expert on Form3’s US payments product suite for internal and external stakeholders.
• Analyze impact of changes and document requirements to drive continuous improvement.
• Own tasks such as writing user stories, defining acceptance criteria, creating features and specs, and analyzing data.
• Develop a high-level understanding of the US product line and platform architecture to inform decisions.

Skills

Product ownership

Stakeholder management

Data analysis

User stories

API experience

Cloud-based offerings

Cross-functional collaboration

Job description

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.

WE ARE LOOKING FOR

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.

Essential:

• 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.

Desirable

• 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.

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 businessand are able to offer part-time working arrangements. We believethisenablesour people to achieve amazingthingswithahealthy work-life balance.

For further information on whatit’slike to work here, and for more information on our full benefits package,visitourcareers page.

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|Life at Form3|Benefits|Flexa-verified employer|Podcasts

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

For more information please refer to our Recruitment Data Policy.