← Back to jobs

Business Analyst - Canadian Payments

form3

100% Remote (Canada*)
Systems Analyst Business Intelligence Business Analyst Advertising

Job Score

100 pts
On-site model (+70) Systems Analyst (+10) Business Intelligence (+10) Business Analyst (+10)

THE ROLE 📝 

We’re looking for a Business Analyst with strong payments experience to join Form3’s Product team and play an important role in building out our new Canadian Real-Time Rail (RTR) payment gateway. 

Working closely with the Product Manager, you’ll be involved from an early stage in the build, helping to understand payment scheme and business requirements and turn them into clear, actionable requirements that support the development and delivery of the product. 

What you’ll be doing: 

  • Work closely with the Product Manager to support the end-to-end build and delivery of Form3’s Canadian RTR payment gateway. 
  • Understand and analyse payment scheme, product and business requirements, translating these into clear and actionable requirements. 
  • Create high-quality user stories, acceptance criteria and functional and non-functional specifications. 
  • Analyse the impact of product changes and enhancements and clearly document requirements to support delivery. 
  • Use data and analysis to provide insights and support informed product decisions. 
  • Collaborate with stakeholders across Product, Engineering and the wider business throughout the product development lifecycle. 
  • Build deep knowledge of the Canadian payments ecosystem, becoming a trusted source of payments expertise for colleagues and stakeholders. 
  • Take ownership of key Business Analyst activities and deliverables, helping the team move from requirements through to successful product delivery. 

 

WE’RE LOOKING FOR 🔍 

As RTR is a new payment scheme, we don’t expect you to have previous RTR experience. What’s much more important is a strong understanding of the Canadian payments landscape and infrastructure, with experience of payment rails such as Interac e-Transfer. 

Knowledge of the wider North American payments landscape, including US schemes such as FedNow or RTP, would also be valuable. 

Essential 

  • Experience working as a Business Analyst within payments, banking or FinTech. 
  • Strong knowledge of the Canadian payments ecosystem and infrastructure, ideally including experience with Interac e-Transfer or other Canadian payment rails. 
  • Experience translating complex business, product or payment scheme requirements into clear user stories, acceptance criteria and functional specifications. 
  • Strong technical understanding of APIs, cloud technologies and modern system architectures, with the ability to translate business requirements into clear technical requirements and collaborate effectively with Engineering teams. 
  • A good understanding of the product development lifecycle and experience supporting products from requirements through to delivery. 
  • Strong analytical skills, including experience using data to support decision-making. 
  • Excellent stakeholder management and communication skills, with the ability to make complex payment concepts clear and actionable. 
  • The ability to work autonomously, take ownership and operate effectively in a fast-paced environment. 

Desirable 

  • Knowledge or experience of the US payments landscape, particularly real-time payment schemes such as FedNow and RTP. 
  • Experience working with real-time or instant payments. 
  • Broader knowledge of payment schemes, payment infrastructure and how financial institutions move money. 

 

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: Zoom Interview with two Heads of Product 
Stage Four: Executive Review with the Chief Product Officer

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 LOCATION 📍 

We are hiring remotely within the Canada in the following provinces: 

  • Ontario

All new joiners start their first day in one of our offices to collect the equipment needed to work remotely. 

 

BENEFITS 🏝️ 

Form3 is a 100% remote, flexible business and can offer part-time working arrangements. We believe this enables our people to achieve amazing things while maintaining a healthy work-life balance. 

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

 

ABOUT FORM3 💭 

Revolutionising the world of payments with our cloud-native, multi-cloud platform. For more information about Form3, check out the following pages:  

What we do | Life at Form3 | Benefits | Payments Cannot Fail Series | .Tech Podcast 

 

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. 

What did you think of this job?

Comments 0

Want to leave a comment?
Sign in or create your account in seconds to join the discussion.
Loading comments...

About Systems Analyst

The Systems Analyst is the professional responsible for analyzing, designing, and implementing technology solutions that meet business needs. They act as a bridge between business areas and the development team, ensuring that systems deliver real value to the organization.

Key skills include requirements gathering and analysis, process modeling (BPMN), data modeling, technical and functional documentation, system integration (APIs, microservices), and knowledge of ERPs and CRMs. Tools like Jira, Confluence, Visio, and project management platforms are essential.

Systems Analysts in technology companies are highly valued, especially those who master agile requirements analysis (user stories, backlog), system integration, and solution architecture. The field offers opportunities from junior analyst to solution architect, with a focus on efficiency, quality, and technological innovation.

About Business Intelligence

Business Intelligence (BI) is the area responsible for transforming raw data into strategic information for decision-making. BI professionals build dashboards, reports, and analyses that help companies understand their performance and identify growth opportunities.

Key skills include data modeling (star schema, snowflake), ETL (extraction, transformation, loading), advanced SQL, BI tools (Power BI, Tableau, Looker), data warehousing, KPIs, and business metrics analysis (MRR, churn, cohort). Knowledge of dbt, Airflow, and data pipelines is a differentiator.

BI professionals in technology companies are highly valued, especially those who master data visualization, analytics engineering, and can translate complex data into actionable insights for the business. The field offers opportunities from BI analyst to head of data, with a focus on data-driven decision making.

About Business Analysis

The Business Analyst (BA) is the professional responsible for identifying problems, opportunities, and solutions in organizational processes, acting as a bridge between business areas and the technology development team. They gather and specify requirements, map value streams, design future processes, and help ensure that software deliveries align with the company's strategic goals.

About Advertising

The Advertising area is aimed at the planning, creation, and delivery of communication campaigns to promote brands, products, ideas, or services. Professionals in the sector work in advertising agencies or in-house marketing departments in creative fields (art direction, copywriting), strategic planning, account management, and media buying.

Discover Other Areas

Understand the scope of work, key skills, and tools used in different career areas.

About UX Design

The User Experience (UX) Design area focuses on optimizing the overall user experience when interacting with a product or service. UX professionals conduct user research (UX Research), map journeys, create wireframes, perform usability tests, and define navigation flows to ensure the product is intuitive, useful, and meets users' real needs.

About Mobile Development

Mobile Development is one of the most dynamic and constantly evolving fields in the technology market. With billions of smartphones worldwide, the demand for qualified mobile developers continues to grow exponentially.

Key stacks include Flutter (Dart), React Native (JavaScript/TypeScript), Kotlin (Android native), Swift (iOS native), and hybrid frameworks like Ionic and Capacitor. Knowledge of mobile architecture (MVVM, Clean Architecture), mobile CI/CD (Fastlane, Bitrise, Codemagic), and App Store/Google Play publishing are essential.

Senior mobile developers are highly valued professionals, with competitive salaries and many remote work opportunities at international companies. Specializing in cross-platform or native is a strategic career decision.

About Ecommerce Analyst

The Ecommerce Analyst is the professional responsible for analyzing online sales data, buyer behavior, and virtual store performance to guide strategic decisions. They combine data analysis with ecommerce knowledge to optimize conversion, average order value, and return on investment.

Key skills include Google Analytics (GA4), Hotjar, conversion funnel analysis, cohort analysis, customer segmentation, pricing analysis, and ecommerce metrics (CAC, CLV, AOV, conversion rate). Knowledge of SQL, Power BI, Google Tag Manager, and platforms like Shopify and VTEX is a differentiator.

Ecommerce Analysts in technology companies are highly valued, especially those who can turn buyer behavior data into actionable insights to increase revenue and reduce cart abandonment. The field offers opportunities from junior analyst to ecommerce analytics manager.

About Content

The Content and Social Media area is essential for building digital presence and audience engagement. Professionals create content strategies, manage social networks, and develop impactful brand narratives.

Key skills include copywriting, storytelling, community management, metrics analysis, audiovisual production, and knowledge of each platform algorithms.

With the growth of influencer marketing and social commerce, this area continues to generate new career opportunities.

About Frontend

The Frontend area is responsible for creating the visual interfaces that users interact with on websites and web applications. Frontend professionals combine technical skills with design to deliver intuitive, responsive, and accessible digital experiences.

Key skills include HTML, CSS, JavaScript/TypeScript, frameworks like React, Angular, and Vue, build tools (Webpack, Vite), CSS (Tailwind, Sass), testing (Jest, Cypress), and knowledge of web performance and accessibility (WCAG). Familiarity with design systems and reusable components is a differentiator.

Frontend developers in technology companies are highly valued, especially those who master React, Next.js, web performance, and accessibility. The field offers opportunities from junior developer to frontend architect, with a focus on user experience, performance, and code quality.

Career Guides

Technology Career Guide

Planning, skills, interviews, and professional growth in IT, Data Science, DevOps, and Product.

Read full guide →

Design Career Guide

UX/UI, Graphic Design, Product Design. Portfolio, tools, interviews, and growth in the Design field.

Read full guide →

Marketing Career Guide

SEO, Paid Media, Growth, Content Marketing. Certifications, tools, and strategies to grow in Digital Marketing.

Read full guide →

Finance Career Guide

Financial market, investments, corporate finance, certifications, and strategies to grow in the financial field.

Read full guide →

Communication Career Guide

Journalism, PR, Corporate Communication, Content Marketing, and Multimedia Production.

Read full guide →

Administration Career Guide

Business Management, HR, Logistics, Consulting, Project Management, and Entrepreneurship.

Read full guide →

Data Career Guide

Data Science, Data Engineering, BI, Machine Learning, and AI. From training to the job market.

Read full guide →

Product Career Guide

Product Management, Product Ownership, Agile, Scrum, and OKRs. From strategy to execution.

Read full guide →

Tech & Remote Glossary

Stop getting lost in interviews and job descriptions

The job market, especially within tech and global companies, has developed its own dialect. Not understanding these acronyms can make you lose valuable opportunities or poorly negotiate your contract. To end this problem, we created the Definitive Glossary for the Remote Professional.

🏢 Work Models & Routine

Async (Asynchronous Work)
A communication model where responses don't need to be immediate. Instead of back-to-back meetings, the team relies on well-structured documents, threads, and messages. It's the gold standard for global companies spanning multiple time zones.
Sync (Synchronous Work)
The opposite of Async. It requires the team to be online and available at the same time for meetings, live chats, and real-time collaboration.
Daily / Stand-up
A quick daily meeting (usually 15 minutes) common in Agile (Scrum) methodologies. The team answers three questions: What did I do yesterday? What will I do today? Are there any blockers?
All-Hands / Town Hall
A company-wide meeting involving all employees. Usually led by the founders (C-Levels) to present results, new goals, and answer team questions.
1:1 (One-on-One)
A recurring individual meeting between a professional and their direct manager. It is used for career alignment, feedback, and problem-solving, not just for project status updates.

💰 Contracts, Benefits & Compensation

PTO (Paid Time Off)
Instead of strict, categorized leave policies, modern US companies usually offer a flexible pool of days (e.g., 20 days of PTO, or even "Unlimited PTO") that you can use for vacations, sick days, or personal matters, while receiving your regular compensation.
Equity / Stock Options
Company ownership. The startup offers you the right to buy shares at a heavily discounted strike price in the future. If the company grows, goes public, or is acquired, these shares can be highly lucrative.
Vesting (Vesting Schedule)
The rule that controls your Equity. It usually lasts 4 years. You don't get all the shares on day one; you "earn" them gradually as you stay with the company. A "1-year Cliff" means you must stay for at least one year to receive your first batch of shares.
RSUs (Restricted Stock Units)
Unlike Stock Options (where you have the right to buy the stock), RSUs are actual shares the company grants you as a bonus or part of your compensation package, following a strict Vesting schedule.
Independent Contractor (1099 / B2B)
The most common international hiring model for global talent working for US companies. You act as a service provider (business-to-business), receiving the gross salary (often six-figure compensation) without standard local payroll tax deductions at the source.

🤖 Recruitment & Hiring Process

ATS (Applicant Tracking System)
The "robot" that reads your resume. Software like Greenhouse, Ashby, and Workday are used to filter candidates by keywords before a human even looks at the document. (Pro tip: this is why your resume must be clean, semantic, and have the right keywords).
JD (Job Description)
The document that lists the responsibilities, technical requirements, and benefits of the open position.
Cultural Fit
The interview stage that evaluates if your core values, communication style, and worldview align with the company's culture. This is the ultimate test of your Soft Skills.
Onboarding
The integration process. It's the period of your first few weeks at the company, where you get your access credentials, learn about the culture, study the internal documentation, and understand how the product works.

🚀 How to use this to your advantage?

The secret isn't just knowing what these acronyms mean, but using them actively. If during an interview for a premium tech role you ask, "How does your PTO policy and Vesting schedule work?", the recruiter will immediately perceive you as a high-level professional, familiar with the global market standards.

The remote job market requires preparation. And having the right vocabulary is the first big step to securing six-figure proposals and standing out among thousands of applicants.

Expert Tip

Agile and Project Management in Today's Market

1. Move Beyond "Doing Agile": Deliver Real Value

One of the biggest mistakes candidates make in interviews for Agile roles is focusing too much on ceremonies (Dailies, Plannings, Retrospectives) and forgetting their actual purpose. Recruiters from global tech companies want to know how you eliminated bottlenecks and boosted team efficiency.

"True Agile success isn't measured by how many practices you implement, but by how much value you deliver to the customer and how quickly you do it."

Instead of writing "facilitated Scrum ceremonies" on your resume, use a results-driven approach: "Reduced team Cycle Time by 20% by identifying and removing bottlenecks in the value stream."

2. Certifications That Actually Bypass the ATS

While practical experience is the ultimate deciding factor, Applicant Tracking Systems (ATS) used by top US companies (like Greenhouse, Ashby, and Workday) filter resumes strictly through keywords. Holding the right certifications ensures you pass this first robotic barrier and get your profile in front of a human recruiter.

  • Professional Scrum Master (PSM I, II) by Scrum.org: Highly respected because it doesn't require renewal and features a rigorous, Scrum Guide-based exam.
  • Project Management Professional (PMP) by PMI: The gold standard for traditional, predictive, and hybrid Project Management.
  • PMI Agile Certified Practitioner (PMI-ACP): Excellent for demonstrating broad knowledge across multiple Agile frameworks (Scrum, Kanban, Lean).
  • SAFe (Scaled Agile Framework): Absolutely essential if you are targeting Enterprise-level corporations that have scaled Agile across thousands of employees.

3. Mastering Flow Metrics and Tools (Hard Skills)

The modern Agile professional must be data-driven. Companies offering six-figure compensation expect you to extract actionable insights from tools like Jira, Confluence, or Azure DevOps.

During technical interviews, be prepared to discuss how you utilize flow metrics, such as:

  • Lead Time and Cycle Time: To measure efficiency and the actual time it takes to deliver requests.
  • Throughput: The number of work items completed in a given timeframe.
  • Cumulative Flow Diagram (CFD): To visually identify bottlenecks in the workflow.
  • OKRs (Objectives and Key Results): To align the development team's daily work with the company's high-level strategic goals.

4. Soft Skills and Conflict Resolution in Async Teams

In global, remote-first, and asynchronous environments, communication is the biggest challenge. A top-tier Project Manager or Scrum Master acts as a shield for the tech team and a bridge for stakeholders.

Demonstrate emotional intelligence, empathy, and negotiation skills. You will often face situational questions like: "How would you handle a Product Owner who constantly changes the Sprint scope mid-cycle?" Your answer should highlight peaceful, data-driven negotiation focused on business impact and team predictability.

Conclusion: Your Competitive Edge

To land premium Project Management and Agile roles, you must position yourself as a strategic business partner, not just a process enforcer. Understand the product, master the metrics, and know how to guide people towards continuous improvement.

References & Useful Links