Richard M. Kovacevich (born October 30, 1943) is an American banker and corporate executive known for his innovative leadership in the financial industry. He served as Chairman and CEO of Wells Fargo, where he pioneered retail banking transformation through cross-selling strategies. Kovacevich emphasized efficiency, growth, and shareholder value, leaving a lasting impact on global banking. He is regarded as a visionary who reshaped customer relationship management in finance.