

His remarks exposed a management culture where problems were allowed to fester - and senior executives were taken to task too late, some observers say. The second-guessing creeped up after Stumpf's testimony last week at a Senate Banking Committee hearing to examine allegations that Wells employees created roughly 2 million fake accounts to meet aggressive sales goals and win bonuses. Yet now investors and analysts have begun to raise the question whether Wells should consider an outside candidate for its next chief - regardless of whether the vacancy comes sooner or later. The handoff from Chief Executive John Stumpf to longtime insider Tim Sloan had been scripted to occur within a couple of years, when Stumpf, 63, would reach the company's mandatory retirement age of 65.

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