Kleber R. Santos

Senior Executive Vice President, CEO of Consumer Banking and Lending

Wells Fargo & Company

Kleber Santos is CEO of Consumer Banking and Lending (CBL) and a member of the Operating Committee at Wells Fargo. CBL serves consumers and small businesses through online and digital channels, over 4,000 retail branches and 11,000 ATMs, and customer service centers. As CEO of CBL, Kleber is responsible for Consumer Banking, Credit Cards, Business Banking, Home Lending, Auto Finance, Personal Loans, Retail Services, and Consumer Payments.

Kleber previously served as co-CEO of CBL. Prior to that, he was 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. Prior to that, Kleber 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 prevention. Prior to joining Capital One, Kleber was an Engagement Manager with McKinsey & Company, where he worked from 2001 to 2006.

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.