Félix Ayarza

About Félix Ayarza

I’m a global payments and product leader with multi-industry experience spanning financial services and shipping. I specialize in designing scalable ecosystems that enhance profitability, efficiency, and client impact.My work centers on uniting strategy, analytics, and execution, from profitability frameworks and pricing models to global payment innovation. I bring depth across revenue management, product commercialization, financial governance, and enterprise data modernization.At Citi, I help steer strategy and commercialization for global B2B Payables within Commercial Cards, shaping how clients digitize and optimize payments. At American Express, I advanced B2B acceleration and redefined pricing economics across merchant and lending portfolios. Earlier, I led business development and pricing for global trade at the Panama Canal Authority and began my career in transport revenue management in the U.K.Fluent in English and Spanish, I lead with a cross-border mindset and believe financial rigor and operational excellence can coexist to unlock innovation and sustainable growth.

Experience

1. Director & Senior Vice President, Global B2b Payables Product Head, Commercial Cards

   Citi

   Aug 2023 — Present · New York, NY, US

   Steer strategy and commercialization for Citi’s global B2B Accounts Payable solutions within Commercial Cards and the broader Payments ecosystem. Lead initiatives that enhance profitability, strengthen client engagement, and drive digital payment innovation across regions. Partner with Finance, Risk, Product, and Sales teams, collaborate with networks and fintechs, and represent Citi at global industry forums to advance leadership in B2B payments.

Education

• University of Louisville

  Master of Engineering - MEng, Engineering Management

  2008 — 2009

• United States Merchant Marine Academy

  Bachelor of Science - BS, Nautical Science, Logistics and Intermodal Transportation

• Alliance Manchester Business School

  Master of Science - MS, Operations, Projects and Supply Chain Management

• Yale School of Management

  Master of Business Administration (M.B.A.), Business Administration and Management, Finance

Skills

• Budgets
• Teamwork
• Freight
• International Commerce
• Maritime Economics
• Project Planning
• Supply Chain
• Navy
• International Logistics
• Strategic Planning
• Management
• Logistics
• International Shipping
• Navigation
• Operations Management
• Commerce
• Business Strategy
• Contract Negotiation
• Maritime
• Leadership
• Marine Engineering
• Logistics Management
• Business Process Improvement
• Market Research
• Ocean
• International Business
• Pricing Strategy
• Inventory Management
• Operations Research
• Energy
• Container
• English
• Supply Chain Management
• Forecasting
• Marine Industry
• Project Management
• Maritime Operations
• Marketing Strategy
• Revenue Management
• Open Innovation