How To Run on Three Clouds at Once, and When Not To

Abstract

If you've made a bank transfer recently, there's a good chance that Form3 handled it. When we have a wobble, people notice. So when the UK's payments regulator said they were worried about cloud concentration risk, we knew we had a challenge ahead: we needed to keep running when our cloud provider failed. What followed was a company-wide effort to unpick our cloud-specific dependencies and replace them with a cloud-agnostic active/active/active architecture spanning AWS, GCP, and Azure. We'll break down the design trade-offs, operational costs, dead-ends, and hard slog needed to build this platform. We'll share what we've learned from the experience of several years' operation, and what really happens when a cloud falls over.

On the other side of the pond, we'll look at how we needed to adapt this multi-cloud architecture to a new market. We quickly learned that dominant perceptions in the US would prevent us from lifting and shift our solution from the UK, so we had to re-evaluate our choices and ultimately take a step backward to achieve market fit. We'll look at the power of 'resilience stories', how we architected to address them, and how we handled our first major incident without the comfort of active/active/active multi-cloud.

Key Takeaways:

  • How to run real-world active/active/active multi-cloud
  • When to lean on cloud's hosted offerings, and when to stay agnostic
  • How to adapt architecture to fit resilience narratives

Speaker

Ross McFarlane

Technical Architect @Form3, Real-Time Payments Plumber, Technical Diplomat, Drawer of Diagrams

Ross McFarlane is a Technical Architect at Form3, where he supports a team of engineers building real-time payment products for the US market. For a software engineer, he spends rather a lot of time talking and drawing diagrams. Having been in leadership positions for the past fifteen years, he’s made plenty of mistakes and learned from most of them.

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Speaker

Kevin Holditch

Engineering Leader and Distributed Systems Practitioner @Form3

Kevin Holditch is an engineering leader and distributed systems practitioner at Form3, building resilient, cloud-native platforms for critical financial infrastructure. His work focuses on high-availability architectures, multi-cloud environments, and infrastructure automation at scale.

Having operated across hands-on engineering and architectural leadership roles, Kevin combines deep technical expertise with experience scaling teams through periods of rapid growth. He is particularly interested in the practical realities of operating large distributed systems: failure modes, resilience engineering, developer productivity, and the trade-offs inherent in complex platforms.

Kevin is the author of Terraform: From Beginner to Master, reflecting his long-standing interest in infrastructure as code and operational simplicity.

He enjoys tackling both technical and organisational complexity, and believes robust systems are built by empowered teams with clear ownership.

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