Kleber R. Santos

Kleber Santos is the CEO of Consumer Lending, responsible for leading all aspects of Wells Fargo’s Consumer Lending business which includes Home Lending, Auto, Credit Cards and Merchant Services, and Personal Lending.

Prior to joining Wells Fargo, Kleber worked for 15 years in a number of senior roles at Capital One, most recently as president of Retail and Direct Banking from March 2017 to October 2020, accountable for the division’s revenue, product development and marketing, branches and ATMs, and operations. He chaired Capital One’s Retail and Direct Banking Diversity Council and served as executive sponsor of Capital One’s Hispanic/Latinx associates and allies employee affinity group. Kleber also was executive vice president of Capital One’s consumer bank from August 2014 until March 2017 with responsibility for marketing, online and mobile channels, product development, credit underwriting, pricing, and fraud monitoring. Prior to that he held various roles of increasing responsibility in Capital One’s marketing and strategy groups from January 2006 to August 2014. 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.