Senior Finance · FP&A · Risk Governance

Turning financial complexity
into executive decisions

Finance leader with 15+ years across Citi, HSBC, Deloitte, and Bosch — connecting FP&A rigor, risk & control frameworks, and macro analysis to the decisions CFOs actually make.

15+
Years in corporate finance
$85B
MXN portfolio owned in FP&A (HSBC RBWM)
$160M
MXN funding-cost sensitivity modeled
4
Global institutions: Citi · HSBC · Deloitte · Bosch
View Featured Research Get in Touch
Mexico City · Open to relocation  ·  ortizdelapenagerman@gmail.com
Career built at
Citi HSBC Deloitte Bosch KPMG
About

Finance leadership at the intersection
of FP&A, governance & business impact

I currently serve as Finance Risk & Control Sr. Manager (SVP) at Citi México / Banamex, overseeing financial governance, SOX/ICFR compliance for IPO readiness, and executive reporting — acting as strategic partner to finance senior leadership and audit stakeholders.

Earlier I led Finance Transformation at Deloitte México, advising CFO offices across banking, insurance, manufacturing, and pharma — generating MXN $10M+ in consulting revenue. Before that, I owned FP&A for HSBC México's RBWM segment (~MXN $85B portfolio) and built competitive intelligence at Bosch GmbH in Germany.

MBA from Offenburg University (Germany), Corporate Finance certificate from Columbia Business School, Diplomado en Riesgos Corporativos from ITAM. Ironman 70.3 finisher — because endurance is also a professional skill.

FP&A & Financial Modeling

Budgeting, rolling forecasts, P&L modeling, NPV/IRR/ROI/CLV, variance analysis, scenario planning, ALCO inputs.

Reporting & Analytics

Tableau (Advanced), Cognos TM1, Excel (Advanced), executive dashboards, management reporting, KPI frameworks for CFO offices.

Risk & Governance

SOX 302 & 404, COSO, ICFR, financial statement risk, operational risk KRIs, regulatory compliance, IPO readiness.

Thinking & Analysis

Finance, macro & strategy insights

Featured Research · July 2026
Rate & FX Pressure on Mexican-Anchored Companies — A Margin Sensitivity Analysis 2025/2026
Currency structure — not industry category — determines margin resilience. This scenario-based model quantifies EBITDA margin impact across WALMEX, Heineken México, Cemex, and MercadoLibre under three Banxico rate & MXN/USD scenarios, with a behavioral finance layer mapping cognitive biases to real CFO decisions.
4
Companies modeled
3
Macro scenarios
−3.5pp
Worst-case margin delta
15
Pages · full methodology
Download Full Paper (PDF) Read Key Findings
Sources: WALMEX 4Q24 · Heineken N.V. FY2024 · Cemex FY2024 6-K · MercadoLibre 10-K · Banxico · Citi Survey 2026
Climate Finance
Mexico's Sustainable Taxonomy: What Banks Need to Know
A practical overview of Mexico's Taxonomía Sostenible and its implications for financial institutions navigating green lending frameworks and climate disclosure requirements.
May 2025Read →
Risk & Governance
SOX in a Divestiture Context: Lessons from Banamex
How a large-scale bank separation creates unique internal control challenges — and how a risk-first approach to SOX readiness becomes a strategic enabler.
March 2025Read →
ESG
Bridging ESG Standards and Mexico's Regulatory Reality
Comparing TCFD, ISSB, and GRI with Mexico's CNBV requirements — and what a convergence path looks like for local financial institutions.
January 2025Read →
Finance Transformation
The CFO as Climate Officer: A New Imperative
Finance functions are increasingly at the center of climate risk reporting and transition planning. How CFO offices can lead — not just comply with — the sustainability agenda.
November 2024Read →
Energy Transition
Sustainable Energy Supply Models: Financing the Transition in Mexico
Drawing from co-founding a sustainable energy venture, exploring the financial instruments enabling Mexico's energy transition at the local level.
September 2024Read →
Social Impact
Social Impact Assessment as a Financial Tool
Beyond compliance — how SIA methodology can be embedded into project finance evaluation to better capture social risk and long-term value creation.
July 2024Read →
Experience

Professional timeline

Finance Risk & Control Sr. Manager (SVP)Sept 2023 – Present
Citi México / Banamex
Senior finance governance leader — risk & control framework, SOX/ICFR for IPO readiness (Form 20-F), and executive reporting across Finance senior management.
SOX 302/404 architecture for Form 20-F IPO
KRI reporting to Risk Appetite Committee
Primary interface with external audit
  • Lead Finance Risk & Control governance framework — embedding control accountability, continuous monitoring, and KRI reporting across Finance senior management.
  • Spearhead SOX 302 & 404 compliance architecture for Banamex's Form 20-F IPO readiness — defining control activities under COSO, scoping ICFR, and serving as primary audit interface.
  • Drive strategic governance reporting — enabling data-driven capital allocation decisions on operational risk reduction.
  • Lead financial statement risk appetite definition and monitoring — KRIs reported to the Risk Appetite Committee.
Risk & Control Global Transformation VPFeb 2021 – May 2023
Citi Banamex México
Led global transformation of the Enterprise Risk Management Framework across geographically dispersed teams.
Global ERM transformation lead
Divestiture assessment, legacy franchises
  • Developed Risk Assessment Operating Plans aligned to Risk Appetite Statements.
  • Designed regional corrective plans to mitigate operational risks.
  • Participated in divestiture assessment of Citi's legacy franchise countries.
Finance Transformation ManagerJul 2017 – Feb 2021
Deloitte México
Advised top-tier clients across banking, insurance, manufacturing, and pharma on finance transformation, CFO office optimization, and ESG consulting.
MXN $10M+ consulting revenue generated
ZBB engagement — Seguros Monterrey
Clients: Citibanamex · Santander · VW · Coca-Cola
  • Generated MXN $10M+ in consulting revenue — advising CFO offices across banking, insurance, manufacturing, and pharma on FP&A transformation and process optimization.
  • Led Zero-Based Budgeting (ZBB) engagement for Seguros Monterrey — delivered significant improvement in operating cost ratio (NOM).
  • Built financial models (NPV, IRR, ROI, CLV) for sales, marketing, and product strategy projects including private banking product launches.
  • Facilitated Business Chemistry® Labs and Corporate Finance workshops for CFO-level stakeholders across the Mexico Region.
Financial Planning & Analysis ManagerJul 2015 – Mar 2017
HSBC México
Owned FP&A for HSBC Mexico's Retail Banking & Wealth Management (RBWM) segment — covering a portfolio of ~MXN $85B across personal loans, payroll, mortgage, auto, credit cards, and deposits.
±20bps forecast uncertainty reduction (CoF model)
~MXN $160M funding cost sensitivity managed
5-year plan + rolling forecast owner
  • Developed a Cost of Funds (CoF) forecasting model that reduced projection uncertainty by ±20 bps (~MXN $160M funding cost sensitivity) during the high-volatility 2016 U.S. election rate cycle.
  • Built and owned the 5-year plan and monthly rolling forecast for RBWM; reported through weekly calls, monthly packs, and ad-hoc KPI reports to London HQ.
  • Developed ROI models for marketing investment decisions and CLV frameworks for loyalty programs; built NPV/IRR analyses for private banking product launches.
  • Contributed P&L analysis and financial inputs to the ALCO Committee.
Financial Intelligence Intern — ResearchAug 2014 – Feb 2015
Bosch GmbH · München, Germany
On-site in Germany. Competitive intelligence on top 6 industry competitors. Market research on China's security systems industry; presented findings to senior executives.
Tax & Legal ConsultantSept 2009 – Jul 2011
KPMG México
Tax and legal review for top-tier private bank portfolios. Managed international trust fund documentation.
Education & Certifications

Academic background

Diplomado en Administración de Riesgos Corporativos
ITAM · Instituto Tecnológico Autónomo de México
2025
MBA — International Business Consulting
Offenburg University · Germany
2015 · GPA: gut (above average)
Bachelor's in Finance & Accounting
Universidad Iberoamericana · CDMX
2010 · GPA: 8.9
Corporate Finance Certificate
Columbia Business School
2023
Social Impact Assessment (SIA)
IIESD
March 2023
Business Chemistry® Expert & DFX Facilitator
Deloitte University · The Leadership Center
2017 – 2019
Beyond the Office

Endurance, exploration & perspective

Ironman 70.3 finisher (Cap Cana 2026). Safari expeditions across Kenya, Uganda, and the Serengeti. The discipline of endurance sport and the perspective of exploration shape how I approach complex problems — with patience, preparation, and long-term thinking.

Serengeti — Kenya & Tanzania
Ironman 70.3 Cap Cana
Mountain gorillas — Uganda
Contact

Let's talk about your finance agenda

Open to conversations on FP&A leadership, strategic finance, transformation, and senior finance roles — in Mexico or internationally.

Email Me Connect on LinkedIn
ortizdelapenagerman@gmail.com  ·  +52 55 5431 2041  ·  Mexico City · Open to relocation