Kristy Fercho

Senior Executive Vice President

Head of Financial Inclusion

Wells Fargo & Company

Kristy Fercho is head of Financial Inclusion, leading Wells Fargo’s initiatives focused on educating, empowering and equipping customers, clients, employees and partners to better manage their finances, increase savings, acquire assets, and protect and grow wealth. Kristy serves on the Wells Fargo Operating Committee.

Kristy joined Wells Fargo in 2020 as head of Wells Fargo Home Lending, one of the nation’s leading combined home lenders and servicers, managing a team of mortgage professionals in sales, operations, servicing, capital markets, portfolio management, and related business, risk management, and supporting functions.

She joined the company from Flagstar Bank, where she served as president of the mortgage division since 2017. Prior to joining Flagstar, she spent 15 years with Fannie Mae, where she led strategy and business performance efforts focused on single-family customers in the western United States and also served in customer engagement and human resources (HR) roles. At the beginning of her career, Kristy served in a variety of sales, operations, and HR roles at Baxter International before moving to PepsiCo Inc., where she worked in a variety of HR roles and ultimately was director of worldwide corporate HR.

Kristy is the 2022 Chairman of the Mortgage Bankers Association. She also leads the Affordable Housing working group for the Office of the Comptroller of the Currency REACh initiative. She serves on the boards of the National Urban League, Opens Doors Foundation and the Wells Fargo Foundation.

Her industry accolades include being selected for American Banker's 2024 "Most Powerful Women to Watch" list. HousingWire named her a Women of Influence in the housing industry, MReport honored her as one of the Top Women in Housing, Diversity Journal listed her among its Women Worth Watching, and National Mortgage Professional Magazine named her to its list of Most Powerful Women.

Kristy is a graduate of the University of Southern California and holds a Master of Business Administration from Saint Joseph’s University, where she serves on the Board of Trustees.