AI in bank treasury management means machine-learning models that forecast cash and liquidity, screen payments before they leave and reconcile receipts, plus generative assistants in treasury portals. Banks sell these tools to corporate clients (Bank of America's CashPro Forecasting, J.P. Morgan's Cash Flow Intelligence, U.S. Bank Liquidity Manager) and use AI in their own liquidity and capital planning. The non-generative models fall under the SR 26-2 model risk guidance.
How is AI used in bank treasury?
In two places. Inside the bank, the treasury and asset-liability function runs liquidity, funding and capital planning, and the Basel Committee's 2024 digitalisation report lists 'regulatory capital and planning' and 'liquidity requirements and planning' among the uses of AI and machine learning it observed at banks. US banks say little about this in public: M&T's CEO Rene Jones said in March 2026 that the bank directs AI at processes tied to the fundamental banking risks, which he listed as including deposit movements and liquidity. For clients, treasury management is where the disclosures are: AI cash forecasting (Bank of America's CashPro Forecasting, J.P. Morgan's Cash Flow Intelligence, U.S. Bank Liquidity Manager), machine-learning payment screening (Citi Payment Outlier Detection, U.S. Bank's fraud defences), AI cash application in receivables, and generative-AI chat and search inside treasury portals.
The fraud side of treasury is covered in depth in AI fraud detection in banking, and the validation rules the models run under in model risk management.
SOURCES: Basel Committee, Digitalisation of finance (May 2024) ↗ · American Banker: Regional banks in today's economy, M&T CEO Rene Jones (Mar 16, 2026) ↗ · Bank of America newsroom: CashPro Forecasting (Dec 11, 2025) ↗ · J.P. Morgan: Amtrak enhances cash flow forecasting (Cash Flow Intelligence) ↗ · U.S. Bank: U.S. Bank launches AI-driven cash forecasting tool (Nov 18, 2025) ↗ · Citi: Payment Outlier Detection launches in 90 countries (2019) ↗ · U.S. Bank: How AI can help treasurers stay ahead of fraud ↗
What is the best AI-powered treasury platform?
No independent benchmark ranks AI treasury platforms, and the records on this site hold no published forecast-accuracy figures, so the answer depends on the job. For cash forecasting, Bank of America's CashPro Forecasting is the only platform with usage numbers: more than 3,000 companies saved over 250,000 hours with it in 2025. For screening payments before release, Citi's Payment Outlier Detection has the longest record, live in 90 countries since June 2019. For liquidity positioning, U.S. Bank's Liquidity Manager, launched with Kyriba on November 18, 2025, adds 'Cash AI' forecasting, scenario planning, positioning and pooling inside SinglePoint. For generative service, nearly 70% of Bank of America's corporate clients use CashPro Chat. A bank's tool covers the accounts held at that bank; fintech operating accounts such as Mercury (Command, an assistant that stages payments for the user's approval) and Ramp (accounts-receivable agents, September 2026) put agents on the company's own account. The table lists each platform on the record with its status and the date of its latest source.
| Platform | Offered by | What the AI does | Status | Latest source |
|---|---|---|---|---|
| CashPro Forecasting | BofA Bank | AI cash forecasting for corporate clients; 3,000 companies, 250,000 hours saved in 2025. | In production | Dec 11, 2025 |
| CashPro Chat | BofA Bank | AI-driven chat used by nearly 70% of corporate clients for account information, transaction tracking and service resolution, with a 43% containment rate in Q3 2025; the Q2 2026 earnings release counts 40,100 CashPro Chat interactions supported by Erica technology. | In production | Jul 14, 2026 |
| SinglePoint Liquidity Manager (with Kyriba) | U.S. Bank Bank | AI forecasting and scenario planning for corporate clients, with Kyriba. | In production | Nov 18, 2025 |
| Citi Treasury and Trade Solutions (Feedzai) | Citi Bank | Feedzai quotes Manish Kohli, global head of payments and receivables at Citi Treasury and Trade Solutions, on Citi's 'strategic partnership with Feedzai', which he says helps it scale so clients can make payments 'securely, efficiently and without friction, across the globe'; Feedzai's 2021 funding release also named Citibank among users of its risk-management software. | In production | Oct 11, 2024 |
| Wells Fargo payments AI | Wells Fargo Bank | A tool that summarises banker-client calls beyond a CRM dump; payments AI turns balance, receivable, payable, FX and liquidity data into cash-flow forecasts and risk flags. 26 of 335 experiments live by May 2026. | In production | May 5, 2026 |
| KeyTotal AR (with Versapay) | KeyBank Bank | Machine learning for invoice-to-cash for middle-market clients, with Versapay. | In production | Jul 7, 2025 |
| Treasury Management Connectivity Ecosystem | Huntington Bank | Intelligent automation across 500-plus interfaces for business clients. | In production | Oct 23, 2025 |
| HSBCnio | HSBC Bank | Combines transaction banking with AI interfaces, including MCP-based data queries and a planned 'Ask HSBC' assistant. | Announced | Sep 29, 2026 |
| RegionsClientIQ | Regions Bank | A machine-learning data product that prioritises client opportunities and flags early credit and attrition risk for commercial and treasury bankers; a gen-AI copilot added in Q1 2026. | In production | Aug 7, 2026 |
| Mercury Command | Mercury Fintech | Natural-language assistant that stages categorisation, letters, analysis, payments and invoices for approval; the model proposes, the product enforces, the user authorises. | In production | Jul 16, 2026 |
| Ramp Accounts Receivable agents | Ramp Fintech | Three AI agents handle invoice creation, collections follow-up and cash application/payment matching in Ramp's Accounts Receivable product; Finance reviews and sends every collections email. Ramp reports a median 36-hour time to payment among early customers. | In production | Sep 22, 2026 |
Each row is sourced on the linked bank or fintech page. The AI tools directory has no dedicated treasury-management vendor page yet; Kyriba and Versapay appear here as the banks' named partners, and Feedzai, which screens Citi's treasury payments, has its own page. Ranked by the bank records: which large banks lead in treasury, cash management and liquidity AI.
SOURCES: Bank of America newsroom: CashPro Forecasting (Dec 11, 2025) ↗ · Citi: Payment Outlier Detection launches in 90 countries (2019) ↗ · U.S. Bank: U.S. Bank launches AI-driven cash forecasting tool (Nov 18, 2025) ↗ · Bank of America: CashPro Chat and Search reach record usage (Oct 27, 2025) ↗
What is predictive treasury analytics?
Predictive treasury analytics means models that forecast a company's cash positions, receipts and payments from its transaction history instead of reporting what already happened. Corporate clients ask their banks for it: in PNC's October 2023 survey of more than 120 finance professionals, 45% wanted predictive analytics and forecasting from their bank. The bank products on the record are cash-flow forecasting (Bank of America's CashPro Forecasting, J.P. Morgan's Cash Flow Intelligence in J.P. Morgan Access, U.S. Bank's Liquidity Manager), predictive receivables matching (KeyBank's KeyTotal AR with Versapay, launched July 7, 2025), and payments AI that turns balance, receivable, payable, FX and liquidity data into cash-flow forecasts and risk flags (Wells Fargo, May 2026). Huntington's connectivity platform feeds 'AI-enabled transactional data' into predictive forecasting and automated scenario planning (October 23, 2025).
SOURCES: PNC Treasury Management: AI in action, survey of finance professionals (Oct 2023) ↗ · Bank of America newsroom: CashPro Forecasting (Dec 11, 2025) ↗ · J.P. Morgan: Amtrak enhances cash flow forecasting (Cash Flow Intelligence) ↗ · U.S. Bank: U.S. Bank launches AI-driven cash forecasting tool (Nov 18, 2025) ↗ · KeyCorp: KeyBank Launches Predictive Accounts Receivable Matching with KeyTotal AR Powered by Versapay (2025-07-07) ↗ · American Banker: How Wells Fargo deploys AI in payments (2026-05-05) ↗ · Huntington: Treasury Management Connectivity Ecosystem (Oct 23, 2025) ↗
How does AI-powered liquidity management work?
It depends on whose liquidity. For a corporate client, a model forecasts daily cash positions from historical flows and the platform positions and pools the cash: U.S. Bank's Liquidity Manager, launched November 18, 2025 with Kyriba inside the SinglePoint portal, combines 'Cash AI' forecasting, scenario planning, cash positioning and pooling, and Amtrak used J.P. Morgan's Cash Flow Intelligence forecasts to invest idle funds. For the bank's own balance sheet, the Basel Committee's May 2024 digitalisation report lists liquidity requirements and planning among the AI uses it observed at banks, and Societe Generale reports that its Intraday Liquidity Steering model, launched in 2023, forecasts euro account balances within the day and cut euro intraday liquidity usage and related reserve costs by 10%. US banks say little about their own liquidity models; M&T's chief executive said in March 2026 that the bank directs AI at processes tied to fundamental banking risks, including deposit movements and liquidity. A non-generative liquidity model is in scope of SR 26-2, which treats models that manage financial risk exposures as generally of greater risk.
SOURCES: U.S. Bank: U.S. Bank launches AI-driven cash forecasting tool (Nov 18, 2025) ↗ · J.P. Morgan: Amtrak enhances cash flow forecasting (Cash Flow Intelligence) ↗ · Basel Committee, Digitalisation of finance (May 2024) ↗ · Societe Generale: Applying data and AI, flagship use cases (Intraday Liquidity Steering) ↗ · American Banker: Regional banks in today's economy, M&T CEO Rene Jones (Mar 16, 2026) ↗ · SR 26-2, Supervisory guidance on model risk management (Apr 17, 2026) ↗
How is generative AI used in treasury management?
Mostly for client service, search and banker preparation so far. Bank of America's CashPro Chat is used by nearly 70% of its corporate clients, with a 43% containment rate in Q3 2025, and the Q2 2026 earnings release counts 40,100 CashPro Chat interactions supported by Erica technology; its AskGPS Intelligence Hub (September 2026) gives Global Payments Solutions staff treasury-management reviews built on the AskGPS generative-AI assistant. HSBC's HSBCnio, launched September 29, 2026, lets corporate clients' own AI tools query authorised account and transaction data through the Model Context Protocol, with an 'Ask HSBC' assistant planned, and Regions added a generative-AI copilot to RegionsClientIQ for commercial and treasury bankers in the first quarter of 2026. The US Treasury's December 19, 2024 report on AI in financial services, built on 103 comment letters, found AI including generative AI spreading across fraud detection, customer service and compliance. Generative and agentic AI sit outside SR 26-2, so a bank governs them through its broader risk management.
The Treasury report in the regulation tracker: US Treasury, Artificial Intelligence in Financial Services (December 2024).
SOURCES: Bank of America: CashPro Chat and Search reach record usage (Oct 27, 2025) ↗ · Bank of America (SEC filings): Bank of America Reports Second Quarter 2026 Financial Results (Form 8-K, Exhibit 99.1) (2026-07-14) ↗ · PYMNTS: BofA Debuts Intelligence Tools for CashPro Clients and GPS Staff (2026-09-28) ↗ · HSBC: HSBC launches HSBCnio digital banking solution for businesses (2026-09-29) ↗ · Regions Financial (SEC filing): Regions Financial first quarter 2026 earnings presentation (Form 8-K, Exhibit 99.3) (2026-04-17) ↗ · US Treasury: Artificial Intelligence in Financial Services report (Dec 19, 2024) ↗
What is an AI treasury risk assessment?
It means two different things. For a corporate treasurer, it is the use of AI to assess treasury risks: flagging a payment that does not match a company's usual pattern, forecasting cash to spot a shortfall early, or running scenarios for a rate or tariff move. Clients ask their banks for it: in PNC's October 2023 survey of more than 120 finance professionals, 23% wanted AI-driven risk assessments from their bank and 45% predictive analytics and forecasting. For the bank, it also means assessing the risk of the AI itself. Under the US model risk guidance a model's risk reflects its inherent risk and its materiality, and models used 'to help meet regulatory requirements or manage a banking organization's financial risk exposures are generally considered to be of greater risk', a description that fits a bank's liquidity and interest-rate models.
| Treasury risk | What the AI does | Where banks do it | What still needs a person |
|---|---|---|---|
| Payment fraud and errors | Learns each client's payment pattern and flags outliers before release; behavioural, device and network signals for account takeover and mule networks. | Citi Payment Outlier Detection; U.S. Bank real-time fraud detection and network analytics. | Approving or rejecting the flagged payment; Pinnacle tells clients authorisation and verification 'still require people and strong controls'. |
| Cash shortfall and liquidity | Forecasts daily cash positions from historical flows and adapts as conditions change. | U.S. Bank Liquidity Manager ('Cash AI'); J.P. Morgan Cash Flow Intelligence; Bank of America CashPro Forecasting. | Funding and investment decisions; Amtrak used the forecasts to invest idle funds. |
| Market and rate moves | Scenario planning on the forecast: what a tariff or rate change does to cash. | Bank of America clients used CashPro Forecasting to gauge tariffs and interest rates in 2025. | Choosing the scenarios and acting on them. |
| AI-enabled social engineering | Detecting deepfake and AI-generated impersonation in payment requests. | U.S. Bank names emerging-threat detection; Pinnacle warns clients 'Fraudsters have access to AI, too.' | Call-back verification on a known number for any change to payment instructions. |
| Data quality | Consolidating and reconciling data across banks and systems so the models see clean inputs. | Huntington's connectivity platform; U.S. Bank multi-bank reporting. | Deciding which source is authoritative. |
| The AI tool's own risk | Validation of the vendor or in-house model: conceptual soundness, outcomes analysis, ongoing monitoring. | SR 26-2, for non-generative models; the agencies say it is most relevant to banks with more than $30 billion in assets. | Effective challenge by people with the expertise, independence and standing to force changes. |
SOURCES: PNC Treasury Management: AI in action, survey of finance professionals (Oct 2023) ↗ · Citi: Payment Outlier Detection launches in 90 countries (2019) ↗ · U.S. Bank: How AI can help treasurers stay ahead of fraud ↗ · U.S. Bank: U.S. Bank launches AI-driven cash forecasting tool (Nov 18, 2025) ↗ · J.P. Morgan: Amtrak enhances cash flow forecasting (Cash Flow Intelligence) ↗ · Bank of America newsroom: CashPro Forecasting (Dec 11, 2025) ↗ · Huntington: Treasury Management Connectivity Ecosystem (Oct 23, 2025) ↗ · Pinnacle: AI and Treasury Management: More Opportunity, More Risk ↗ · SR 26-2, Supervisory guidance on model risk management (Apr 17, 2026) ↗
What are the benefits of AI in treasury risk detection?
The banks that run it describe four benefits, each on their own record. The first is catching a bad payment before it leaves: Citi's Payment Outlier Detection, launched in 90 countries in June 2019, replaces rules-based logic with statistical machine learning that profiles each client's payment patterns and sends a real-time alert before an outlier payment reaches the beneficiary, leaving the client to approve or reject it. The second is reading more signals than a rule can: U.S. Bank says AI-driven systems learn from behavior, transaction patterns, identity signals and network relationships, so they can detect account takeover even when credentials appear valid and expose mule networks. The third is speed against new schemes: First Horizon's CFO Hope Dmuchowski said in February 2026 that when a new fraud scheme appears the bank can build AI quickly to search client transactions or logins to its treasury management system, needing "a day or two" rather than months of new code. The fourth is seeing liquidity risk within the day: Societe Generale's Intraday Liquidity Steering, launched in 2023, forecasts its euro account balances in real time so treasury can smooth payments, and the bank reports a 10% cut in euro intraday liquidity usage and related reserve costs. None of the four publishes a figure for fraud losses avoided.
| Benefit | Bank and tool | What the bank reports |
|---|---|---|
| Stops an outlier payment before it is sent | Citi Payment Outlier Detection (Treasury and Trade Solutions) | Machine learning builds a profile of each client's payment patterns and alerts in real time before an outlier payment goes to the beneficiary; the client approves or rejects it in CitiDirect BE or CitiConnect. Launched in 90 countries on June 26, 2019. |
| Reads behavior, identity and network signals | U.S. Bank treasury fraud defence | Anomaly detection, behavioral and identity intelligence and network analytics: detects account takeover even when credentials appear valid and exposes mule networks or coordinated activity. |
| Answers a new fraud scheme in days | First Horizon | The CFO said in February 2026 that AI searching client transactions or logins to the treasury management system can be built in "a day or two" when a new scheme appears, not in months of developer testing. |
| Sees intraday liquidity risk early | Societe Generale Intraday Liquidity Steering | Launched in 2023: a machine-learning model forecasts the bank's euro account balances within the day so treasury can smooth payments; the bank reports a 10% reduction in euro intraday liquidity usage and related reserve costs. |
SOURCES: Citi: Payment Outlier Detection launches in 90 countries (2019) ↗ · U.S. Bank: How AI can help treasurers stay ahead of fraud ↗ · First Horizon at Bank of America conference, CFO Hope Dmuchowski (transcript, Feb 11, 2026) ↗ · Societe Generale: Applying data and AI, flagship use cases (Intraday Liquidity Steering) ↗
Deeper: AI benefits in treasury risk detection, with the machine learning systems banks run for treasury optimization, each dated and sourced.
Which banks offer AI treasury management tools to corporate clients?
The largest US banks now sell AI inside their treasury-management platforms, and the tools cluster in three jobs: forecasting cash, screening payments and reconciling receivables. Bank of America says CashPro Forecasting helped more than 3,000 companies save over 250,000 hours in 2025; J.P. Morgan's Cash Flow Intelligence, built into J.P. Morgan Access, was in beta in October 2022 and live at Amtrak from May 2023; U.S. Bank launched Liquidity Manager with Kyriba in November 2025; Citi's Payment Outlier Detection has used machine learning to flag unusual payments before release since 2019. Each figure below is the bank's own.
| Tool | Bank | What the AI does | Published figures |
|---|---|---|---|
| CashPro Forecasting | Bank of America | AI-driven cash forecasting accessed from CashPro, the bank's treasury, trade and cross-border payments platform; clients build and share forecasting workspaces. | More than 3,000 companies saved over 250,000 hours in 2025; workspaces created in Q2 2025 rose 113% above the norm as clients gauged tariffs and interest rates. |
| CashPro Chat and Search | Bank of America | AI-driven chat for account information, transaction tracking and service resolution; search across wires, ACH, RTP, FX and loan proceeds. | Nearly 70% of corporate clients use CashPro Chat, up 21% year on year; 43% containment in Q3 2025; more than 18 million searches. |
| Cash Flow Intelligence | JPMorgan Chase | AI and machine-learning cash forecasting and categorisation in the J.P. Morgan Access platform, part of the Treasury Insights suite. | Amtrak live in May 2023; Domino's cut weekly manual data clean-up by up to 90%. |
| U.S. Bank Liquidity Manager (with Kyriba) | U.S. Bancorp | 'Cash AI' forecasting from historical cash flows, scenario planning, cash positioning and pooling, inside the SinglePoint portal. | Launched November 18, 2025; no usage figures published. |
| Citi Payment Outlier Detection | Citigroup | Statistical machine learning builds a payment profile for each client and flags payments that do not fit it for review before they are sent. | Launched in 90 countries in 2019 after a pilot with 20 clients. |
| Treasury Management Connectivity Ecosystem | Huntington | API-first connectivity to clients' ERP and finance tools with 'AI-enabled transactional data' for predictive forecasting and automated scenario planning. | More than 500 interfaces; more than 10 million transaction events a day. |
SOURCES: Bank of America newsroom: CashPro Forecasting (Dec 11, 2025) ↗ · Bank of America: CashPro Chat and Search reach record usage (Oct 27, 2025) ↗ · J.P. Morgan: Amtrak enhances cash flow forecasting (Cash Flow Intelligence) ↗ · J.P. Morgan: Domino's unlocks efficiency with Cash Flow Intelligence ↗ · U.S. Bank: U.S. Bank launches AI-driven cash forecasting tool (Nov 18, 2025) ↗ · Citi: Payment Outlier Detection launches in 90 countries (2019) ↗ · Huntington: Treasury Management Connectivity Ecosystem (Oct 23, 2025) ↗
What do supervisors expect of AI models used in bank treasury?
No US rule is written for AI in treasury; the expectations come from model risk and third-party guidance. SR 26-2, OCC Bulletin 2026-13 and FDIC FIL-15-2026, in force since April 17, 2026, apply to traditional statistical models and to non-generative, non-agentic AI, so a machine-learning liquidity or cash-flow forecasting model is in scope. They scale validation and monitoring to materiality and rate models that manage a bank's financial risk exposures or help meet regulatory requirements as generally of greater risk. Generative and agentic AI are outside that guidance and fall to the bank's broader risk management. A forecasting engine bought from a vendor is a third-party relationship, and SR 26-2 says the principles of model risk management still apply to vendor models even when the bank cannot see the code. The data feeding liquidity models sits under BCBS 239.
| Rule | Authority | What it requires | Applies |
|---|---|---|---|
| SR 26-2 (Federal Reserve) | Federal Reserve | Model risk scales with materiality; models that manage financial risk exposures or meet regulatory requirements are generally of greater risk; non-generative ML in scope, generative and agentic AI out; most relevant above $30 billion in assets. | In force from Apr 17, 2026 |
| OCC Bulletin 2026-13 | OCC | The same interagency model risk guidance for national banks and federal savings associations. | In force from Apr 17, 2026 |
| FDIC FIL-15-2026 | FDIC | The same guidance for FDIC-supervised banks. | In force from Apr 17, 2026 |
| Interagency third-party risk guidance (SR 23-4 / OCC 2023-17 / FIL-29-2023) | Federal Reserve | A treasury platform or forecasting model from a fintech or software vendor is a third-party relationship: due diligence, contract terms, ongoing monitoring. | In force from Jun 7, 2023 |
| BCBS 239 | Basel Committee | Risk data aggregation and reporting principles for the data banks use to manage risk, including capital and liquidity data. | Published Jan 9, 2013 |
| Basel Committee, Digitalisation of finance | Basel Committee | Records AI/ML use in regulatory capital and liquidity planning; expects generative AI to be governed with graduated controls inside existing model risk frameworks. | Published May 16, 2024 |
Which of the 120 largest US banks use AI in treasury management?
14 of the 120 bank pages on this site record an AI use case in treasury management, from client cash forecasting and payment screening to tools for the bank's own treasury bankers. Each links to the bank's page, where the claim is sourced.
| Bank | What the record shows | Status | Latest source |
|---|---|---|---|
| BofA | CashPro Forecasting and Data Intelligence: AI cash forecasting for corporate clients; 3,000 companies, 250,000 hours saved in 2025. CashPro Chat for corporate clients: AI-driven chat used by nearly 70% of corporate clients for account information, transaction tracking and service resolution, with a 43% containment rate in Q3 2025; the Q2 2026 earnings release counts 40,100 CashPro Chat interactions supported by Erica technology. AskGPS Intelligence Hub and Payments Insights: CashPro's Payments Insights analyses payment efficiency, cross-border flows and working-capital performance for corporate clients; the AskGPS Intelligence Hub gives Global Payments Solutions staff Intelligent Treasury Management Reviews and Digital Account Schematics built on the bank's AskGPS generative-AI assistant. | In production, Rolling out | Sep 28, 2026 |
| Citi | Feedzai payments fraud prevention (Treasury and Trade Solutions): Feedzai quotes Manish Kohli, global head of payments and receivables at Citi Treasury and Trade Solutions, on Citi's 'strategic partnership with Feedzai', which he says helps it scale so clients can make payments 'securely, efficiently and without friction, across the globe'; Feedzai's 2021 funding release also named Citibank among users of its risk-management software. | In production | Oct 11, 2024 |
| Wells Fargo | Integrated receivables: Automation and AI match electronic payments to remittance data for commercial clients. | In production | Jun 1, 2025 |
| U.S. Bank | Liquidity Manager cash forecasting: AI forecasting and scenario planning for corporate clients, with Kyriba. Treasury fraud defence: Anomaly detection, behavioural intelligence and network analytics on payments. | In production | Jul 22, 2026 |
| Truist | Integrated receivables: AI cash application for commercial and corporate clients. | In production | Feb 3, 2026 |
| Huntington | Treasury connectivity automation: Intelligent automation across 500-plus interfaces for business clients. | In production | Oct 23, 2025 |
| KeyBank | KeyTotal AR predictive receivables matching: Machine learning for invoice-to-cash for middle-market clients, with Versapay. | In production | Jul 7, 2025 |
| Regions | RegionsClientIQ and its generative-AI copilot: A machine-learning data product that prioritises client opportunities and flags early credit and attrition risk for commercial and treasury bankers; a gen-AI copilot added in Q1 2026. AI-driven banker enablement and onboarding platforms: Banker enablement, treasury-management implementation and client onboarding; 35% of new opportunities. | In production | Aug 7, 2026 |
| Associated | Commercial workflow automation: Portfolio management, treasury and payments first; then loan processing and client insights. | Rolling out | Jun 30, 2026 |
| Atlantic Union | Large language models for teammate productivity: LLM capabilities 'like Chat GPT or Copilot', teammate productivity and customer experience first; AI-powered relationship insights planned for treasury relationship managers. | Announced | Dec 10, 2025 |
| Commerce | AI-driven payables and receivables automation for clients: Collections and cash application modules (AlloSource on the Esker platform; Interstates on the Cash Application Cloud), with exception-only review. | In production | Aug 19, 2025 |
| First Interstate | Prolific Banking On-Ramp treasury onboarding: Automated enrollment of cash-management customers, reducing manual work and redundant implementation tasks. | In production | May 19, 2026 |
| Pinnacle | AI-enabled fraud awareness for treasury clients: Guidance that fraudsters use AI too, with human review kept in payment workflows. | In production | Jun 1, 2026 |
| HSBC | HSBCnio: AI-enabled digital banking for corporate clients: Combines transaction banking with AI interfaces, including MCP-based data queries and a planned 'Ask HSBC' assistant. | Announced | Sep 29, 2026 |
What changed since Sep 27, 2026?
Treasury AI moves recorded on bank and fintech pages since this hub was first published. Each links to the page where the claim is sourced.
| Date | Who | What |
|---|---|---|
| Sep 28, 2026 | BofA | Payments Insights, a new CashPro capability, gives corporate and commercial clients intelligence on payment efficiency, cross-border flows and working-capital performance on their US accounts; the AskGPS Intelligence Hub extends the bank's 2025 generative-AI assistant to help Global Payments Solutions staff interpret treasury information for clients. |
| Sep 29, 2026 | HSBC | HSBCnio, launched at Sibos for corporate and institutional clients, lets clients' own AI tools read authorised account and transaction data through HSBC's Model Context Protocol, which HSBC says helps them bring AI into treasury workflows; an 'Ask HSBC' assistant is planned. |
| Sep 30, 2026 | Amex | The next generation of Amex Corporate adds expense-management software; Amex plans an expense agent and an insights agent that analyses company spending for later in fall 2026, and Accounts Payable software for paying vendor bills. |
| Oct 20, 2026 | Mercury | Mercury Payroll brings payroll into the business account, with Command, Mercury's AI agent, helping with tasks such as updating a salary or adding overtime. Command stages payments and cash-position analysis for approval under the rule that the model proposes, the product enforces and the user authorises. |
| Date | Event | Document |
|---|---|---|
| Apr 17, 2026 | SR 26-2 / OCC 2026-13 / FIL-15-2026: non-generative AI models in scope, generative and agentic AI out | SR 26-2 |
| May 16, 2024 | Basel Committee records AI in capital and liquidity planning at banks | BCBS Digitalisation of finance report (May 2024) |
| Jun 7, 2023 | Interagency third-party risk guidance covers vendor models and platforms | SR 23-4 |
| Jan 9, 2013 | BCBS 239: principles for risk data aggregation and reporting | BCBS 239 |
What is AI treasury management?
The use of AI in the work of a treasury function: forecasting cash and liquidity, positioning and pooling cash, screening payments for fraud and errors, matching receipts to invoices, and answering questions about accounts and transactions. At a bank the term covers both the bank's own treasury and asset-liability management and the treasury-management services it sells to companies.
Which banks offer AI cash forecasting?
Among the largest US banks: Bank of America (CashPro Forecasting, used by more than 3,000 companies in 2025), JPMorgan Chase (Cash Flow Intelligence in J.P. Morgan Access, live at Amtrak from May 2023) and U.S. Bank (Liquidity Manager, built with Kyriba and launched in November 2025). Huntington's connectivity platform supplies AI-enabled transaction data for predictive forecasting.
Does SR 26-2 apply to AI models in bank treasury?
To the non-generative ones, yes. SR 26-2 covers traditional statistical models and non-generative, non-agentic AI, so a machine-learning liquidity or cash-flow forecasting model is in scope, and because such models manage the bank's financial risk exposures the guidance treats them as generally of greater risk. Generative and agentic AI models are outside its scope.
Is generative AI used in bank treasury management?
Yes, mostly for service and search so far. Bank of America's CashPro Chat is used by nearly 70% of its corporate clients, and in September 2025 the bank launched AskGPS, an in-house generative-AI assistant trained on 3,200 internal documents that its Global Payments Solutions staff use to answer client questions, and extended it in September 2026 with the AskGPS Intelligence Hub. HSBC's HSBCnio, launched the same month, lets corporate clients' own AI tools read their account data through HSBC's Model Context Protocol. Forecasting and payment screening run on machine-learning models rather than generative ones.
Is an AI treasury risk assessment the same as the US Treasury's AI risk reports?
No. The US Department of the Treasury has published its own AI risk work for the financial sector, including a March 2024 report on AI-specific cybersecurity risks and the February 2026 Financial Services AI Risk Management Framework; those are covered on the Treasury page of the regulation tracker. An AI treasury risk assessment is about a company's or a bank's treasury function.
The US Treasury's own AI documents: US Treasury in the regulation tracker.
When a bank ships treasury AI, or a supervisor moves on it, you'll read it the next morning.
when one of these regulators moves, the next morning's brief says so · six sourced stories · 7 am PT · free
plus every regulation, bank and agent page update, the morning after · leave any morning