Product Owner - US Payments

THE ROLE 📝

This is an exciting opportunity for a Business Analyst or 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 within US Payments, you will be supporting the wider team to make informed decisions, making a meaningful impact on the build and delivery of Form3’s Payments products across the US.

Key Responsibilities

• Collaborate effectively across the FedNow, RTP, Fedwire and ACH product lines, working closely with Senior Business Analysts 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 and Fedwire 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 🔍

Essential

• 2 years’ experience in a Business Analyst or Product Owner role.
• Previous experience working on US Payments 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 cloud-based product offerings.
• Hands-on experience with data analysis and presenting insights to a wide range of internal and external stakeholders.
• Sound 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.

THE TEAM 👥

Form3’s Product Team are the backbone of our ground-breaking services, holding responsibility for creating and developing real-time, cutting-edge payments technology products for our full scope of financial services customers. Within Form3, Business Analysts / Product Owners do not just document requirements; they are central to innovation, trusted with product ownership tasks and surrounded by a high-calibre team of experts.