• Lead the strategy and execution of a B2B SaaS product • Drive discovery and delivery processes • Make data-driven decisions • Serve as the product’s focal point • Define and monitor product metrics • Work closely with cross-functional teams • Participate in team ceremonies • Stay up to date on trends in AI applied to product

Product Owner - US Payments Location 100% Remote (US/Canada*) This is an exciting opportunity for a Business Analyst or Product Owner to join the US Product team within Form3. This role will act as a product expert for both internal teams and external stakeholders, driving continuous improvement and providing clarity on Form3’s full US Payments product suite. With previous experience working within US Payments, you will be supporting the wider team to make informed decisions, making a meaningful impact on the build and delivery of Form3’s Payments products across the US. Key Responsibilities - Collaborate effectively across the FedNow, RTP and ACH product lines, working closely with Senior Business Analysts 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 gateway. - 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. WE ARE LOOKING FOR Essential Form3’s Product team is a central function within the business, so we are looking for an ambitious and versatile Business Analyst / Product Owner who can act autonomously, whilst also working well as a key player within a wider team. - 2 years’ experience in a Business Analyst or Product Owner role. - Previous experience working on US Payments products (e.g. FedNow; RTP; ACH), 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 cloud-based product offerings. - Hands-on experience with data analysis and presenting insights to a wide range of internal and external stakeholders. - Sound 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. Desirable - Previous experience working on Zelle products, with demonstrated understanding of how Zelle differs to other US payment schemes. - Experience within an external-facing role, in which partnering with customers / clients has been a core responsibility. THE TEAM Form3’s Product Team are the backbone of our ground-breaking services, holding responsibility for creating and developing real-time, cutting-edge payments technology products for our full scope of financial services customers. Within Form3, Business Analysts / Product Owners do not just document requirements; they are central to innovation, trusted with product ownership tasks and surrounded by a high-calibre team of experts. This role sits within the US Product team, where the key focus is to build and run best-in-class payments services. It is a fast-paced, collaborative team who are proud of Form3's product offerings. HIRING LOCATIONS For this role, we are currently able to accept applications from Canada (Ontario) and these US States: Connecticut, New York, New Jersey, North Carolina and Florida.

• Own the member financial infrastructure: member balances, monthly premium payments, reimbursements, and substantiation flows, with a relentless focus on reliability, accuracy, and scale • Drive the reliability and efficiency roadmap on the member financial side: eliminate the root causes of payment and reimbursement errors, build self-serve capabilities that reduce support ticket volume, and automate the resolution flows that today require manual intervention • Define and own the instrumentation for member financial flows: work with data and engineering to ensure errors are detected early, performance is measurable, and the team has the visibility to improve continuously • Collaborate with ops and support to identify the member financial issues that are most costly to serve, and build product solutions that systematically eliminate them • Own the longer-term member product strategy: develop and maintain a multi-year view of what Thatch needs to build to deliver a differentiated member experience (e.g. HSAs, portable health accounts, AI-powered personalization) and partner with leadership to prioritize and sequence those investments • Partner with the Member Onboarding PM to ensure the handoff from enrollment to active member is seamless, and that financial accuracy downstream of enrollment is treated as a product responsibility • Measure the impact of your work: each automation built and each self-serve resolution shipped has a direct and measurable effect on ops cost and member satisfaction at scale

• Gerir e priorizar o backlog de produto, garantindo alinhamento com a estratégia do negócio. • Traduzir necessidades de negócio em iniciativas, funcionalidades e entregas claras para o time. • Utilizar dados, indicadores e análises para embasar decisões e identificar oportunidades. • Articular e alinhar expectativas com stakeholders de diferentes áreas e níveis. • Atuar próximo a times de tecnologia, design, dados, operações e negócios. • Acompanhar entregas, remover impedimentos e impulsionar evolução contínua do produto. • Propor melhorias, questionar abordagens existentes e adaptar rotas conforme mudanças de cenário.