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Senior Product Manager - Us Payments

form3

100% Remote (US*/Canada*)
Product Marketing Product Manager Public Relations

Job Score

100 pts
On-site model (+70) Product (+10) Marketing (+10) Product Manager (+10)

THE ROLE ๐Ÿ“

This is an exciting opportunity to join Form3's growing US Product team as a Senior Product Manager, helping shape our US Account-to-Account (A2A) payments proposition.

You'll own products across the full lifecycle, from discovery and strategy through to delivery, launch, and commercialisation. While you'll contribute across our US A2A portfolio, your initial focus will be on building and scaling new payment capabilities, particularly Wire and ACH and supporting existing capability like RTP and FedNow.

Key Responsibilities:

  • Define and execute the product strategy and roadmap for your US payment products, delivering measurable customer and commercial outcomes.
  • Bring new payment capabilities to market, leading products from discovery through launch and ongoing optimisation.
  • Partner with Engineering and Business Analysis to deliver scalable, high-quality products that meet customer and market needs.
  • Build strong relationships with banks and financial institutions to uncover customer challenges and translate them into valuable product capabilities.
  • Enable commercial success by supporting customer engagements, go-to-market initiatives and strategic sales opportunities.
  • Shape product pricing, positioning and competitive differentiation to maximise market adoption.
  • Ensure products remain compliant, competitive and aligned with evolving payment scheme and regulatory requirements.
  • Work collaboratively across Product, Engineering and Commercial teams to deliver exceptional customer experiences and business growth.

 

WE ARE LOOKING FOR ๐Ÿ”

We're looking for a Senior Product Manager with experience building account-to-account payment products for banks and financial institutions. You'll combine deep knowledge of the US payments landscape with strong product leadership, commercial acumen and the ability to deliver products that solve customer problems and drive business growth.

Essential:

  • 5+ years' Product Management experience.
  • Strong knowledge of the US account-to-account payments landscape, in particular Wire, ACH and ideally RTP/FedNow.
  • Experience building products for banks or financial institutions, either within a bank or a technology provider.
  • Proven ability to take products from concept through launch and into live operation.
  • Strong commercial mindset, with experience supporting pricing, go-to-market strategy and customer engagement.
  • Knowledge of the competitive landscape for payment infrastructure,
  • Comfortable working closely with Engineering to translate customer needs into scalable products.
  • Excellent stakeholder management and communication skills, with the ability to influence across technical and commercial teams.

Desirable:

  • Experience building API-first and cloud-native products.
  • Has worked in a high-growth startup or scaleup environment

 

INTERVIEW PROCESS โœ๏ธ

Stage One: Talent Team Interviews

Stage Two: Hiring Manager Interview

Stage Three: US Team Interview & Technical Assessment

Stage Four: Executive Interview - CPO

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 ๐Ÿ“

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 ๐Ÿ๏ธ 

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

For further information on what itโ€™s like to work here, and for more information on our full benefits package, visit our careers page. If you have any other questions, weโ€™d be happy to discuss these with your during the interview process. 

 

ABOUT FORM3 ๐Ÿ’ญ 

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. Weโ€™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. 

About Product Management

Product Management is one of the most strategically relevant areas in technology organizations. The Product Manager is responsible for defining product vision, prioritizing features, and coordinating multidisciplinary teams to deliver value to users.

Essential skills include strategic thinking, data analysis, communication, leadership, and technical knowledge. Tools like Jira, Confluence, Miro, and analytics platforms are fundamental in daily work.

Salaries for PMs range from entry-level to senior positions at major tech companies, with growing opportunities for international remote work.

About Marketing

The Marketing area is strategic for the growth and positioning of any company. It encompasses traditional marketing, brand management, market research, trade marketing, product marketing, and market intelligence. Marketing professionals are responsible for planning and executing strategies that connect brands to their target audience.

Key skills include brand management, market research, competitive analysis, product marketing, trade marketing, pricing, relationship marketing, and channel development. Knowledge of research tools (Nielsen, Kantar, Ipsos), BI, and advanced spreadsheets is a differentiator.

Marketing professionals in technology companies are highly valued, especially those who master product marketing, go-to-market strategy, and data-driven marketing. The field offers opportunities from analyst to CMO, with a focus on growth, brand positioning, and return on investment.

About Product Manager

The Product Manager (PM) is the professional responsible for defining the strategy, vision, and roadmap of a digital product. They work at the intersection of technology, business, and user experience (UX), leading the discovery and delivery of solutions that solve real problems in a viable way for the company.

Key skills include product discovery, data and metrics analysis (AARRR, NPS, LTV), user research, go-to-market strategy, roadmapping, strategic prioritization, and leadership by influence. Tools like Amplitude, Mixpanel, Hotjar, Jira, and Notion are fundamental.

Product Managers play a central role in the growth of startups, scale-ups, and large technology companies, with career progression opportunities to Product Leader, Head of Product, and Chief Product Officer (CPO).

About Public Relations

The Public Relations (PR) area focuses on managing the reputation, image, and communication of an organization with its various stakeholders (such as clients, investors, employees, media, and the community). PR professionals develop corporate communication strategies, manage media relations (press relations), organize institutional events, and work in image crisis prevention and management.

Discover Other Areas

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

About Web Designer

The Web Designer is the professional responsible for creating visual interfaces for websites, web applications, and landing pages, combining aesthetics, usability, and user experience. They transform business needs into functional and responsive layouts that communicate brand identity.

Key skills include UI design, responsive design, prototyping (Figma, Sketch, Adobe XD), wireframing, design systems, accessibility (WCAG), information architecture, and basic HTML/CSS knowledge. Knowledge of UX design, motion design, and front-end is a differentiator.

Web Designers in technology companies are highly valued, especially those who master design systems, design tokens, and can create interfaces that convert and engage. The field offers opportunities from junior web designer to product designer and design lead.

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 Customer Service

The Customer Service / Client Relations area is essential for ensuring customer satisfaction, retention, and a good relationship. Professionals in this field are the primary interface for communication, handling inquiries, requests, feedback, and ensuring a high-quality day-to-day experience. Skills in communication, problem-solving, empathy, and patience are indispensable.

About Human Resources

The Human Resources area is responsible for all people management in organizations, from attracting and selecting talent to developing, retaining, and ensuring employee well-being. HR professionals are fundamental to building strong organizational cultures and engagement.

Key skills include recruitment and selection, compensation and benefits management, learning and development (L&D), organizational climate, employee engagement, labor law, labor relations, and HR tools (Workday, SAP SuccessFactors, Bamboo HR). Knowledge of people analytics and data-driven HR is a differentiator.

HR professionals in technology companies are highly valued, especially those who master employer branding, people analytics, and talent retention strategies. The field offers opportunities from HR analyst to Chief People Officer, with a focus on culture, engagement, and people growth.

About Office Suite

Proficiency in Office Suite is an essential skill for professionals across various areas. Microsoft Excel, Word, PowerPoint, and Outlook are fundamental tools in the corporate day-to-day, while Google Workspace and other collaborative solutions are gaining increasing space.

Key skills include advanced Excel (formulas, pivot tables, Power Query, VBA/Macros), Word (formatting, mail merge, styles), PowerPoint (presentation design, animations), Outlook (email and calendar management), and collaborative tools like Google Sheets, Notion, and Airtable.

Professionals with advanced Office Suite proficiency are valued in administrative, financial, data, and operational areas. Microsoft Office Specialist (MOS) certifications are important differentiators. The combination of advanced Excel with data analysis skills is one of the most in-demand competencies in the market.

Career Guides

Technology Career Guide

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

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Design Career Guide

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

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Marketing Career Guide

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

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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.

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Data Career Guide

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

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Product Career Guide

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

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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.

๐Ÿข 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.

๐Ÿ’ฐ 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.

๐Ÿค– 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.

๐Ÿš€ 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

How n8n and Automation Open Doors to Premium Jobs

The Paradigm Shift in Web Development

The web development market has matured. A few years ago, mastering a traditional stack (like MERN or LAMP) was enough to secure a highly sought-after role. Today, the corporate landscape โ€” especially in US startups hiring globally and offering six-figure compensation โ€” demands speed and operational efficiency. It's no longer just about building from scratch, but knowing how to integrate complex ecosystems rapidly.

According to Gartner, hyperautomation is one of the top strategic technology trends of the decade. The modern developer must be an integration architect, capable of connecting CRMs, databases, AI APIs, and payment gateways in a matter of hours, not weeks. This is exactly where n8n becomes an indispensable tool in your portfolio.

Why n8n? The Power of "Fair-Code"

n8n is a node-based workflow automation tool. Unlike competitors aimed at non-technical users (such as Zapier or Make), n8n was designed with the developer in mind first. It allows raw JavaScript injection for complex data manipulation, custom HTTP requests, and, most importantly, features a fair-code licensing model that allows it to be self-hosted on a company's own infrastructure.

For technical recruiters and CTOs, a candidate who masters n8n demonstrates maturity. It proves that you understand SaaS cost reduction and value the security and sovereignty of the company's data.

Practical Tips to Land Your Next Role

If you want your resume to pass rigorous ATS (Applicant Tracking System) screening โ€” like Greenhouse or Ashby โ€” and reach the hands of Tech Leads, here are the core skills you should highlight when associating Web Development with n8n:

  • Mastery of Webhooks and RESTful APIs: The foundation of automation is system communication. Demonstrate your ability to create n8n workflows that listen to native Webhooks from your application (e.g., a checkout event in a Next.js e-commerce app) and trigger subsequent actions with low latency.
  • Hosting and Docker: n8n's biggest differentiator is self-hosting. In your resume, mention your ability to package and orchestrate n8n instances using Docker and Docker Compose. Familiarity with Cloud providers (AWS, GCP, or DigitalOcean) to deploy these instances is a massive bonus.
  • Advanced JSON and JavaScript Manipulation: Show that you don't rely solely on pre-built integrations. Using the "Code" node in n8n to transform large JSON payloads using raw JavaScript or TypeScript is what separates a regular user from an automation engineer.
  • Error Handling and Resilience: Systems fail. APIs go down. An amateur automation will break a company's process. In your portfolio, document how you use Error Trigger nodes to build automated retries and send alerts to Slack/Discord when an integration fails.

Your Portfolio is the Ultimate Proof

Just listing "n8n" in the skills section of your resume isn't enough. Create a repository on GitHub containing a real-world use case. For example: export the JSON file of an n8n workflow that reads new leads from a PostgreSQL database, enriches the data using the OpenAI API, and sends them to a CRM. Add a detailed README.md explaining the architecture. This is the ultimate bait for Senior roles.

References and Further Reading