Gene Gutierrez serves as Vice President and Director of New Product Development for Wells Fargo Cross Border Payments Division. Reporting directly to the Senior Divisional Manager, Gene and his team are responsible for the development of new international cross border remittance services around the globe.

Gene has over 15 years of experience developing patented new products, market research & award-winning loyalty & acquisition programs for multi-national organizations in over 50 countries. Gene has traveled and lectured around the world for major financial institutions on the subjects of new product development, partnerships and business intelligence programs,. He has testified before Congress as an Industry Expert in the field of T&E affinity and loyalty programs.

Some of Gene’s academic accomplishments include an Executive MBA in International Marketing from New York University and a BA in Political Science at San Diego State University. He received his NPDP certification from the PDMA (Product Development and Management Association in early 2002. He is also received industry certifications in both Six-Sigma Quality and TQM Quality Management.

Daniel Ayala is Senior Vice President and Product Management Manager of Wells Fargo’s Global Remittance Services division.
He is responsible for developing, executing, and managing the bank’s global consumer remittance product strategy.

His team is primarily focused on the development of consumer remittance products for Latin America and Asia. Danny and his team manage the InterCuenta Express, Dinero al Instante products focused on consumer remittances to India, the Philippines, Mexico, Guatemala, and El Salvador.

Daniel is a global payments systems expert with over 14 years of experience. Previously, he has been responsible for product management, marketing, and sales management activities for Citibank, BankOne, and Bank of America.

He graduated from DePaul University in Chicago, Illinois with a Bachelor’s Degree in Computer Science and received his MBA from Nova Southeastern University in Fort Lauderdale, Florida. Ayala is also a Certified Cash Manager (CCM) with the Association for Financial Professionals. In the past, he has lived in Bogota - Colombia, Caracas - Venezuela, Chicago - Illinois, and Miami - Florida. He and his family currently live in the San Francisco Bay Area in California.