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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. 

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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 Content Manager

The Content Manager is the professional responsible for leading the entire content strategy, production, and management of an organization. They define the editorial strategy, coordinate writing teams, and ensure content aligns with business goals and brand identity.

Key skills include content strategy, editorial planning, content audit, buyer persona, customer journey, content ops, content governance, performance metrics (ROI, engagement, organic traffic), and team management. Knowledge of WordPress, Contentful, Notion, and analytics tools is a differentiator.

Content Managers in technology companies are highly valued, especially those who can align content with conversion funnels, lead multidisciplinary teams, and use data to optimize editorial strategy. The field offers opportunities from content manager to head of content, with a focus on strategy, quality, and scale.

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 Backend

The Backend area is responsible for all server logic, APIs, databases, and infrastructure that support web and mobile applications. Backend professionals ensure that systems are scalable, secure, and performant.

Key skills include languages like PHP, Java, Python, Ruby, Go, and Node.js, frameworks like Laravel, Spring Boot, Django, and Express, databases (MySQL, PostgreSQL, MongoDB, Redis), software architecture (clean architecture, DDD, microservices), and API security (OAuth, JWT).

Backend developers in technology companies are highly valued, especially those who master microservices architecture, cloud computing, and high-scale performance. The field offers opportunities from junior developer to software architect, with a focus on scalability, security, and efficiency.

About Blockchain

The Blockchain area involves the development and implementation of secure and distributed transaction ledgers. Professionals in this field work with smart contract development, cryptography, consensus algorithms, and platforms such as Ethereum, Hyperledger, and Solana, ensuring security and decentralization for various types of applications.

About Automation Analyst

The Automation Analyst is the professional responsible for identifying process optimization opportunities and developing automated workflows (RPA, scripts, or integrations). They map manual and repetitive tasks across various company areas and build automation solutions using low-code/no-code platforms (such as Zapier, Make, Power Automate, n8n) or RPA tools (such as UiPath), driving operational efficiency and error reduction.

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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.

🏢 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 2026 AI Boom: The Most Valuable Tech Careers and How to Land Six-Figure Remote Jobs

We are halfway through 2026, and one thing is crystal clear: the "experimental" phase of Artificial Intelligence is officially over. While 2023 and 2024 were characterized by awe over chatbots drafting emails and generating images, 2026 has solidified AI as the core infrastructure of global enterprises. The transition from standalone "AI tools" to Autonomous Agents and Multi-Agent Systems has radically transformed the job market.

For Tech, Design, and Digital Marketing professionals across the United States, 2026 represents the greatest window of opportunity of the decade to secure top-tier, 100% remote roles with highly lucrative six-figure compensations.

In this article, we will break down the current AI job landscape, backed by recent data, and list the top careers that startups and Fortune 500 companies are desperately trying to fill.

The Current Landscape: 2026 Data and Projections

The market isn't just hiring standard developers anymore; it's hiring intelligence orchestrators. According to recent Future of Work reports:

  • Exponential Growth: The World Economic Forum (WEF) 2026 update highlights that roles focused on AI, Machine Learning, and Big Data have grown by 45% compared to 2024, cementing them as the fastest-growing fields nationwide.
  • Corporate Adoption: Data published by Gartner earlier this year reveals that over 80% of Fortune 500 companies are now running Generative AI applications in production environments. This has created a massive demand for AI maintenance, ethics, and governance.
  • The Remote Premium: An internal analysis from Mondywork's database (which tracks integrations with major ATS platforms like Greenhouse and Ashby) shows that 73% of US-based AI roles are Remote-First. The average salary for senior specialists in these roles currently exceeds the $140,000 to $180,000 annual range, plus equity.

The 5 Hottest AI Opportunities in 2026

If you want to tailor your resume and LinkedIn profile to be easily captured by modern recruiting algorithms, these are the positions with the highest talent deficit in the US market right now:

1. MLOps and LLMOps Engineers (Operations Engineering)

Large Language Models (LLMs) are like Formula 1 engines: they need a full pit crew to avoid crashing on the track. The industry has realized that putting AI into production is vastly different from running a local model.

  • What they do: Manage infrastructure, oversee the model lifecycle, handle fine-tuning with proprietary company data, and ensure the AI does not suffer from large-scale hallucinations.
  • Hot Search Terms: MLOps, LLMOps, Platform Engineering, Data Ops, Kubernetes for AI.

2. Prompt Engineer & AI Interaction Designer

The profession many thought would be a passing fad has heavily evolved. The 2026 Prompt Engineer is not just someone who "talks well to machines"; they are complex logical system designers.

  • What they do: Sitting at the intersection of Software Engineering and UX Design, these professionals design system prompts for Autonomous Agents, build RAG (Retrieval-Augmented Generation) flows, and structure how AI safely interacts with end-users.
  • Hot Search Terms: Prompt Engineering, NLP, AI Behavior Design, UX Writer for AI.

3. Analytics Engineer / Structured Data Specialist

AI is completely useless without clean data. The classic Data Scientist role has yielded massive ground to the Analytics Engineer, the professional who bridges the gap between raw data engineering and business analysis.

  • What they do: Prepare, model, and transform chaotic data lakes into crystal-clear sources so enterprise AI models can consume data and generate real-time insights.
  • Hot Search Terms: Analytics Engineer, dbt, Snowflake, Computer Vision, BigQuery.

4. AI Product Manager (AI PM)

Companies are tired of building AI features "just because." Now, they need these features to drive serious revenue (ROI). The AI-focused Product Manager is the conductor of this orchestra.

  • What they do: Understand the technical limitations of modern LLMs, translate user pain points into viable AI solutions, and manage the product roadmap while ensuring the technology complies with strict privacy laws (like CCPA and GDPR).
  • Hot Search Terms: AI Product Manager, CPO, Product Ops, AI Governance.

5. AI Growth Marketer / High-Performance Media Buyer

In the digital marketing realm, 2026 is the year of autonomous campaign orchestration. Marketers still relying on 100% manual campaign creation are rapidly losing ground to those who can direct predictive AI.

  • What they do: Leverage Machine Learning and advanced AI tools for autonomous Conversion Rate Optimization (CRO), automated A/B testing, mass content generation, and predictive consumer behavior analysis.
  • Hot Search Terms: Growth Marketing, Media Buyer, Programmatic, AI Copywriting, Martech.

How to Prepare and Get Found (Beating the ATS Filters)

US companies utilize incredibly rigorous Applicant Tracking Systems (ATS) like Workday, Greenhouse, and Lever. They configure recruiting bots to filter resumes using fine-mesh keyword grids.

If you want to land these highly competitive roles, the golden rule is to mirror the exact industry jargon:

  • Don't just write "Data Analyst"; use "Data Ops" or "Analytics Engineer".
  • Don't just list "Cloud Support"; highlight "FinOps", "Cloud Architect", or "Platform Engineer".
  • Replace the outdated "Digital Marketer" with "Growth Ops" or "Performance Manager".

Mondywork Does the Heavy Lifting for You

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Macroeconomic Reference Sources:

  • World Economic Forum - The Future of Jobs Report 2026 Update.
  • Gartner - Hype Cycle for Artificial Intelligence, 2026.
  • McKinsey Global Institute - The Economic Potential of Generative AI (Revisited 2026).