← 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 Project Management

Project Management is essential to ensure strategic initiatives are delivered on time, within scope, and with quality. PM professionals coordinate teams, manage risks, and communicate with stakeholders.

Key methodologies include PMBOK, PRINCE2, Scrum, and Kanban. Tools like Jira, Asana, Monday, and MS Project are widely used in daily work.

Certifications like PMP and PgMP are important differentiators in the market, with growing demand in technology and consulting companies.

About Cloud Solutions

The Cloud Solutions area is responsible for designing, implementing, and managing cloud infrastructure and services (AWS, Azure, GCP) for companies. Cloud professionals architect scalable, secure, and cost-optimized solutions, from data center migrations to serverless and multi-cloud architectures.

Key skills include IaC (Terraform, CloudFormation), containers (Docker, Kubernetes), serverless (Lambda, Cloud Functions), managed databases (RDS, DynamoDB, BigQuery), cloud networking (VPC, CDN, load balancer), and security (IAM, WAF, KMS). Knowledge of FinOps, cloud governance, and AWS/Azure/GCP certifications is a differentiator.

Cloud Solutions professionals in technology companies are highly valued, especially those who master multi-cloud architectures, FinOps, and can optimize costs while maintaining performance and security. The field offers opportunities from cloud engineer to cloud solutions architect, head of cloud, and chief cloud architect.

About IT Governance

IT Governance is the area responsible for ensuring that information technology resources are used strategically, efficiently, and in compliance with standards and regulations. IT governance professionals ensure that technology supports business objectives in a secure and reliable manner.

Key skills include IT service management (ITIL), IT audit and compliance, risk management, business continuity, disaster recovery, metrics and indicators (SLAs, KPIs), and strategic alignment between IT and business. Frameworks like COBIT, ITIL, ISO 27001, and compliance standards are essential.

IT Governance professionals in technology companies are highly valued, especially those who master ITSM, IT audit, and risk management. The field offers opportunities from governance analyst to CIO/CTO, with a focus on efficiency, compliance, security, and business value.

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 People Analyst

The People Analyst is the professional responsible for transforming people data into strategic insights for HR decision-making. They combine data analysis knowledge with people management vision to help organizations understand workforce metrics, turnover, engagement, and diversity.

Key skills include people analytics, workforce analytics, turnover and retention analysis, HR metrics (time-to-hire, cost-per-hire, e-NPS), data visualization (Power BI, Tableau, Visier), workforce planning, and compensation analysis. Knowledge of statistics, SQL, and people analytics tools is a differentiator.

People Analysts in technology companies are highly valued, especially those who can translate complex people data into actionable insights for retention, diversity, and growth strategies. The field offers opportunities from HR analyst to head of people analytics, with a focus on data-driven people management.

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

The New Account Manager Profile: How to Land the Best Remote B2B SaaS Jobs

The Evolution of Account Management: Beyond Relationship Building

If you are aiming for an Account Manager (AM), Key Account Manager (KAM), or Enterprise Account Director role in 2026, it is crucial to understand that the traditional "order-taker" profile focused solely on charisma is a thing of the past. In tech companies, especially within the B2B SaaS (Software as a Service) model, Customer Acquisition Cost (CAC) is higher than ever. Consequently, retaining and expanding the existing customer base are now the primary drivers of profitability.

Recruiters at tech giants and hyper-growth startups are looking for hybrid professionals: individuals with sharp emotional intelligence, but who also possess strong analytical skills to interpret usage data and prevent churn. If your resume does not reflect this duality, you will quickly be filtered out by modern ATS algorithms.

3 Critical Skills to Make Your Resume Stand Out

1. Mastery of Data-Driven Strategies

An elite Account Manager does not wait for the client to complain before taking action. They actively monitor account health. During interviews, you must be able to discuss how you leverage CRM tools (like Salesforce, HubSpot, or Pipedrive) and Customer Success platforms (like Gainsight or Totango) to identify Upsell and Cross-sell opportunities.

"B2B sales teams that adopt data-driven and AI-backed strategies perform substantially better in customer retention and account expansion."

— Gartner Report on B2B Sales

2. Bridging the Gap Between Client and Engineering (Product Feedback Loop)

You will act as the voice of the customer within the company. The most competitive roles require the AM to translate client business pains into actionable insights for Product Managers (PMs) and Software Engineers. In your portfolio of achievements, always mention how your clients' feedback helped shape the product roadmap, resulting in new features and increased Net Promoter Scores (NPS).

3. Asynchronous Communication and Remote Strategic Consulting

With remote work firmly established globally, traditional in-person business lunches have been replaced by strategic Zoom calls and asynchronous alignments. You need to demonstrate your ability to lead a Quarterly Business Review (QBR) effectively in a remote setting, presenting ROI (Return on Investment) reports that easily justify contract renewals.

Practical Interview Tips

When you reach the interview stage with a VP of Sales or Head of Customer Success, drop the generic speech and bring concrete numbers to the table. Structure your answers using the STAR method (Situation, Task, Action, Result).

  • Focus on Net Revenue Retention (NRR): Do not just state how many accounts you managed; explain how you successfully grew the revenue of those accounts over time.
  • Conflict Resolution: Have a ready-to-tell example of an "at-risk" account that you managed to turn around and save from churning.
  • Onboarding and Adoption: Explain your methodology for ensuring that the client fully adopts and utilizes the software from day one.

The Path to Six-Figure Remote Roles

The US tech market remains highly competitive, with enterprise account roles in startups and scale-ups consistently offering six-figure base salaries plus aggressive OTE (On-Target Earnings). However, simply applying through standard job boards often leads your resume straight into a black hole. To access the "hidden job market" of premium US Remote opportunities, smart networking and utilizing curated tech platforms are absolute requirements.

"The best sales opportunities are not the ones you merely apply for; they are the ones your reputation and network qualify you for in advance."

— Harvard Business Review: The Future of B2B Sales