Product Owner - US Payments

Summary

Form3 is a remote-first financial technology company building technology for account-to-account payments. The Product Owner will act as a product expert for Form3’s US Payments product suite, collaborating across payment product lines and engineering teams to support product delivery, requirements definition, stakeholder guidance, and continuous improvement.

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

Skills

• 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

Qualifications

Must Haves

• 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

Nice to Haves

• 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

Benefits

• Fully remote role
• Flexible working patterns
• Part-time working arrangements
• Occasional travel to New York for team and customer meetings, with occasional travel to the UK