Case Study: Wells Fargo Capital Foothill achieves standardized borrower data and faster audits with ACL

Wells Fargo Foothill Building a Stronger Business With ACL

Wells Fargo Foothill, a Santa Monica–based commercial finance unit of Wells Fargo, provides senior secured lending to middle‑market companies using nontraditional collateral such as receivables, inventory, real estate and recurring revenue. The firm faced inconsistent customer files, difficulty monitoring ever‑changing collateral without burdening clients or IT, and a need to shorten field audit time while maintaining competitive differentiation and managing lending risk.

By deploying ACL data analytics, Wells Fargo Foothill standardized disparate data sets into a single view and implemented scheduled, continuous testing of borrower records. The solution reduced offsite audit hours, improved data quality and timeliness, helped identify fraud, lowered credit risk, and produced higher‑quality information to support faster, better loan administration and stronger business decisions.

Wells Fargo Capital Foothill

Michael Ganung

Vice President Project Management