Kleber R. Santos

Senior Executive Vice President,

Co-CEO of Consumer Banking and Lending

Wells Fargo & Company

Kleber Santos is co-CEO of Consumer Banking and Lending (CBL) and a member of the Operating Committee at Wells Fargo. He is responsible for Consumer Banking, which includes consumer deposit products and consumer payments; Business Banking; Premier Banking; Home Lending; Credit Cards; Auto Loans; Personal Loans; and Retail Services.

Previously, Kleber was the CEO of Consumer Lending for more than three years, overseeing Home Lending, Credit Cards, Auto Loans, Personal Loans, Retail Services and Merchant Services.

Prior to joining Wells Fargo in 2020, Kleber worked for 15 years in a number of senior roles at Capital One, most recently as president of Retail and Direct Banking, accountable for the division's P&L, product development and marketing, branches and ATMs, and operations. Kleber also was executive vice president of Capital One’s consumer bank for three years with responsibility for marketing, online and mobile channels, product development, credit underwriting, pricing, and fraud monitoring. Prior to joining Capital One, Kleber was an engagement manager with McKinsey & Company.

A native of Brazil, Kleber holds a bachelor’s degree in civil engineering from Universidade Federal da Bahia, Brazil, and master’s degrees in both business administration and management of information technology from the University of Virginia. He previously served as a second lieutenant of infantry in the Brazilian Army Reserve Forces.