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Michelle Ziolkowski
Head of Global Payables, Treasury Management at Wells Fargo


Michelle Ziolkowski is a Senior Vice President in the Treasury Management Product Management Group for Wells Fargo.  As such, she is the Head of Global Payables, which includes domestic and international wires and ACH, check disbursements, Payment Manager and Invoice Automation.  She is also managing the Faster Payments initiatives at the bank.  Previously, she was the ACH Group Product Manager and also managed the Electronic Commerce Services Emerging Products team focused on AP and AR automation.


Michelle joined the Wells Fargo team from American Express, where she was a Senior Client Partner focused on Payables Automation.  Michelle was responsible for managing existing client accounts as well as on-going support activities for sales and reseller organizations.

Prior to American Express, Michelle was a Manager in the Enterprise Resource Planning Division of Deloitte Consulting for 5 years.  She was responsible for financial system implementations and software integration.  She also focused on the use of technology to improve service, product delivery, and business reporting capabilities.

Michelle holds a degree in Economics from John Carroll University and an MBA in Finance from the Katz Graduate School of Business at the University of Pittsburgh.  Michelle is a Certified Treasury Professional.  She is a member of the Board of Directors for Nacha and is also on the Early Warning Services Wholesale Payments Advisory Committee.