A $37 billion Mid-Atlantic bank whose CIO calls it innovation 'with a little i': automate what you already have, which is how it converted a $14 billion acquisition with a ten-person team checking 80 million values.
How is Atlantic Union using AI?
Atlantic Union Bankshares, the Richmond, Virginia parent of Atlantic Union Bank with about $37 billion of assets, does not run a branded AI programme, but its CIO made American Banker's 2026 Most Innovative People in Finance list for automating a merger conversion. When it completed the $14 billion (by asset size) acquisition of Sandy Spring Bancorp in 2025, chief information officer Matt Linderman, a Capital One and PNC veteran who joined in 2023, had his ten-person team automate the entire data conversion: code that checked every value, column and field, more than 80 million values, rather than the industry norm of sampling about 10%, plus a real-time operations dashboard. The result was a call-centre abandonment rate of 13% against a forecast of 50% to 70%, wait times under four minutes and normal call volumes within six days of the October 2025 conversion, a performance American Banker ranked 31st among the year's most innovative in finance. Linderman describes the approach as innovation 'with a little i', innovating within the technology a regional bank can afford rather than buying the newest tools. On AI itself the bank is deliberately cautious. At its December 2025 investor day it described itself as a 'fast follower': build a governance model first, pilot through vendor partnerships, keep near-term uses internal and low-risk, use large language models 'like Chat GPT or Copilot' for teammate productivity and customer experience, and develop AI tools for call-centre quality control, chat and training, with an AI-enhanced chatbot on the consumer-banking roadmap and AI-powered relationship insights planned for treasury bankers. Its technology stack already includes Socure, which the deck describes as an automated machine-learning identity-verification and fraud tool. The 2025 annual report says it is 'exploring exciting opportunities with Artificial Intelligence', notes that some of its models already use AI or machine learning with 'unique complexities' around training data, bias and interpretability, and includes a risk factor on agentic AI and third-party AI models. Its public AI content for customers is about AI fraud. The bank's strategy is growth: ten new North Carolina branches over three years, a roughly $2 billion CRE loan sale to Blackstone in 2025 to reshape the balance sheet, second-quarter 2026 net income to common of $158.0 million, and a first-quarter net charge-off ratio of 0.02%. Atlantic Union Bank is a Virginia state member bank supervised by the Federal Reserve.
Lead bank
Atlantic Union Bank
Assets (lead bank, Jun 30, 2026)
$38 billion
Charter
Virginia state member bank (Federal Reserve)
Headquarters
Richmond, VA
Flagship platform
Automated conversion and validation tooling (Sandy Spring integration)
AI leadership
John Asbury · Maria Tedesco · Matt Linderman · Doug Woolley · Shawn O'Brien · Alex Dodd · David Ring · Rob Gorman
- Sandy Spring conversion automated end to end: every field validated (80 million-plus values) instead of 10% sampling; abandonment 13% versus a 50–70% forecast; volumes normal in six days.
- Philosophy from the CIO: innovation 'with a little i', rethinking existing technology because a regional bank 'is not going to have the funding to buy all the latest tech'.
- AI stance is exploratory and disclosed as risk: the annual report says the bank is exploring AI, already uses some AI/ML models, and flags agentic AI and third-party AI models as risks.
- Investor day, December 2025: a 'fast follower' AI strategy (governance, vendor pilots, internal productivity first), LLM use for teammates, an AI-enhanced chatbot and AI call-centre quality control on the roadmap, and Socure machine-learning identity verification already in the stack.
- Customer-facing AI content is defensive: an August 2025 guide on AI fraud, including AI-driven phishing and voice cloning.
- Growth plan: 10 North Carolina branches over three years; M&A on the sideline while Sandy Spring is absorbed; $2 billion CRE loan sale to Blackstone in June 2025.
- Results: Q2 2026 net income to common $158.0 million; Q1 2026 net charge-offs 0.02% of average loans.
- AI first deployment named by the CIO: AI that screens every call-centre recording instead of the roughly 10% reviewed manually today, to flag what works and improve training; Linderman calls it part of 'a pretty audacious AI agenda' (American Banker, 1 June 2026).
- Filings carry AI language: the 2025 10-K (filed 26 February 2026) says some models use AI or machine learning, warns that generative models can give incorrect outputs or release confidential information, and the Q1 and Q2 2026 10-Qs list AI-related legal, regulatory and cyber risk among forward-looking factors.
- Earnings calls say little about AI: the published Q1 (21 April) and Q2 (21 July 2026) call transcripts contain no AI discussion, so the plan sits in the December 2025 investor-day deck, the annual report letter and the CIO interview.
- Named vendor stack is fintech, not AI labs: the investor-day deck lists Socure, Salesforce (case management for operations and fraud requests), nCino, Blend, Q2 and MuleSoft, with an aim to 'continue to reduce reliance on one core vendor'. No OpenAI, Anthropic, Google, Microsoft or Nvidia agreement is public.
- Leadership turnover around the finance and credit seats: Alex Dodd (ex-TD Bank Group deputy CFO) became CFO on 13 April 2026 after Rob Gorman, and Chief Credit Officer Doug Woolley will retire on 1 April 2027.
- Payments and deposits partnerships: Spiral savings and giving tools (16 June 2026) and a place among banks joining the Cari tokenized-deposit network (2 July 2026); CEO John Asbury told the ABA in October 2025 that banks should embrace generative and agentic AI responsibly.
What is Automated conversion and validation tooling (Sandy Spring integration)?
Atlantic Union's technology story is the October 2025 integration of Sandy Spring Bancorp, its largest deal. Instead of the usual manual spot-check of about 10% of fields and values, CIO Matt Linderman's ten-person team wrote code that validated every value, column and field of the migrated data, more than 80 million values, and paired it with a real-time dashboard of call-centre volumes and other operating metrics as an early-warning system. Call volume returned to normal in six days, the call-centre abandonment rate came in at 13% against a projected 50% to 70%, and average waits stayed under four minutes through 66,000-plus October calls. The 2025 annual report says the bank is 'exploring exciting opportunities with Artificial Intelligence to further drive innovation and efficiency' and discloses that some of its models already use AI or machine learning, with the bias and interpretability risks that brings.[1][7][8]
What AI partnerships and patents does Atlantic Union have?
Atlantic Union's public record names fintech platforms, not AI labs or cloud providers. The December 2025 investor-day deck lists Socure for machine-learning identity verification and fraud, Salesforce for case management, nCino and Blend for lending, Q2 for digital banking and MuleSoft for integration; Spiral (June 2026) and the Cari tokenized-deposit network (July 2026) are payments and deposits partners rather than AI deals. No OpenAI, Anthropic, Google, Microsoft or Nvidia agreement is public. A Google Patents assignee search on 14 October 2026 found no granted patents or published applications assigned to Atlantic Union Bank, Atlantic Union Bankshares, Sandy Spring Bank or Xenith Bank.[10][24][25]
| Item | What it is | Status | Date |
|---|---|---|---|
| Socure | Automated machine-learning identity verification and fraud management tool | In production | 2025-12-10[10] |
| Salesforce | Case management for frontline operations and fraud requests, plus lead, referral and client needs analysis | In production | 2025-12-10[10] |
| nCino and Blend | nCino commercial loan origination in use, nCino for business banking planned; Blend for consumer lending | Rolling out | 2025-12-10[10] |
| Q2 | Digital banking platform for mobile and online banking, consumer and business | In production | 2025-12-10[10] |
| MuleSoft | Integration layer brokering connectivity between systems | In production | 2025-12-10[10] |
| Canapi and fintech funds | Venture and fintech fund investments listed in the investor-day timeline | Invested | 2025-12-10[10] |
| Spiral | Savings Center and Giving Center: automatic savings, round-ups and donations in digital banking | Selected | 2026-06-16[24] |
| Cari Network | Bank-governed tokenized deposit network; Atlantic Union named among banks joining | Joined | 2026-07-02[25] |
What has Atlantic Union done on AI, and when?
- Aug 6, 2026
Second-quarter 10-Q repeats the AI risk language[16]
Forward-looking factors again cite emerging AI issues and fintech competition.
- Jul 21, 2026
Second-quarter call: efficiency ratio 47.47%, ten North Carolina branches[21]
Adjusted operating efficiency ratio 47.47% and 2026 expense guidance $742–752 million; seven Raleigh and three Wilmington branches, the first opening in July. The transcript contains no AI discussion.
- Jul 21, 2026
Second-quarter 2026 results[9]
Net income to common $158.0 million; adjusted operating $134.0 million.
- Jul 2, 2026
Named among banks joining the Cari tokenized-deposit network[25]
Cari said more than 30 banks had joined, with about 40 more in talks.
- Jun 16, 2026
Spiral selected for savings and giving tools[24]
Customers of the $37 billion, 800,000-customer bank get automatic savings, round-ups and a Giving Center.
- Jun 3, 2026
Chief Credit Officer Doug Woolley to retire April 2027[19]
Serving since 2016; the bank started a nationwide search with an executive search firm.
- Jun 1, 2026
CIO ranked No. 31 for automating the merger[1]
80 million values validated; abandonment 13% versus 50–70% forecast.
- May 21, 2026
First-quarter net charge-offs of 0.02%[5]
Among the lowest of its peers.
- May 5, 2026
First-quarter 10-Q lists AI among forward-looking risks[15]
Cites emerging AI issues that could prompt legal or regulatory action or raise the likelihood of a successful cyber-attack.
- Apr 21, 2026
First-quarter call guides 2026 expense to $742–752 million[20]
Dodd's first call as CFO; the transcript contains no AI discussion. Net charge-offs 2 basis points annualised.
- Apr 13, 2026
Dodd takes over as CFO; Gorman moves to adviser[17]
Gorman remains Senior Financial Advisor to 30 September 2026 and consults for a year after.
- Mar 25, 2026
Annual report: 'exploring' AI, with an agentic-AI risk factor[7]
Some models already use AI or machine learning.
- Mar 16, 2026
CIO publishes conversion lessons in Forbes[22]
Linderman writes that AI, automation and advanced validation tools will make future conversions faster and more precise, with preparation, governance and people the foundation.
- Feb 26, 2026
Form 10-K filed with AI model and agentic-AI risk language[14]
Says some models use AI or machine learning, that third-party AI models limit visibility into training data, and that generative models may produce incorrect outputs or release confidential information.
- Feb 24, 2026
Alex Dodd named CFO[17]
Dodd, 49, spent nearly 20 years at TD Bank Group, most recently as deputy CFO; effective 13 April 2026.
- Dec 10, 2025
Investor-day deck names the technology vendor stack[10]
Lists Socure, Salesforce, nCino, Blend, Q2 and MuleSoft, plans an AI-enhanced chatbot and AI call-centre quality control, and states an aim to reduce reliance on one core vendor.
- Dec 10, 2025
Investor day sets a 'fast follower' AI strategy[10]
Near term: AI governance, vendor partnerships and internal, low-risk productivity uses; later, customer-facing uses. Use-case categories span servicing, operations, fraud and risk, revenue and generative engine optimisation.
- Oct 23, 2025
Ten North Carolina branches planned[2]
Raleigh and Wilmington over three years; M&A on the sideline.
- Oct 20, 2025
Asbury urges responsible use of generative and agentic AI[23]
In his final address as ABA chair, the CEO listed continuing to embrace generative and agentic AI in a responsible manner among the industry's tasks.
- Oct 14, 2025
Sandy Spring integration completed[8]
Data conversion and systems integration unify the bank across four jurisdictions.
- Jun 27, 2025
About $2 billion of CRE loans sold to Blackstone[13]
Balance-sheet reshaping after the Sandy Spring deal.
- May 22, 2025
CFO Rob Gorman announces retirement[18]
Gorman, CFO since 2012, planned to retire on or before 31 March 2026 once a successor was found; a nationwide search followed.
- May 13, 2025
CEO looks south to the Carolinas[3]
Next chapter planned while integrating the $1.3 billion Sandy Spring purchase.
- Apr 1, 2025
Where does Atlantic Union use AI today?
| System | What it does | Status | Use case |
|---|---|---|---|
| Automated merger data conversion and validation[1] | Code-based checks on every migrated value; real-time operations dashboard. | In production | Generative & agentic AI |
| AI and machine-learning models in use[7] | Disclosed in the 10-K with training-data, bias and interpretability risks. | In production | Model risk management |
| Exploratory AI programme[7] | 'Exploring exciting opportunities with Artificial Intelligence'; agentic and third-party model risks flagged. | Pilot | AI governance (general) |
| Socure machine-learning identity verification[10] | Listed in the bank's technology stack as an automated machine-learning identity-verification and fraud-management tool. | In production | Fraud detection |
| AI-enhanced chatbot and AI call-centre tools[10] | An AI-enhanced chatbot is on the consumer-banking roadmap; AI tools for call-centre quality control, chat and training are planned. | Announced | Customer-facing chatbots |
| Large language models for teammate productivity[10] | LLM capabilities 'like Chat GPT or Copilot', teammate productivity and customer experience first; AI-powered relationship insights planned for treasury relationship managers. | Announced | Generative & agentic AI |
| AI fraud education for customers[12] | A customer guide on generative-AI scams, including AI-driven phishing and cloned voices. | In production | Fraud detection |
| AI screening of every call-centre recording[1] | The CIO says the first major AI deployment will monitor call-centre recordings, moving from manual review of about 10% of calls to AI screening of all of them, to flag what works and improve training. | Announced | Customer-facing chatbots |
| Vendor-embedded AI capabilities[10] | The deck plans to identify key vendor partnerships, pilot, and use existing vendor AI capabilities toward production, with the build-versus-buy boundary still open. | Announced | Third-party & vendor AI |
| Defence against AI-enabled credential attacks[14] | The 10-K says AI and bots raise the speed and success of credential attacks; the CISO reports to the board risk committee, with annual teammate training and mock phishing. | In production | Cybersecurity |
| Machine-learning transaction and suspicious-activity monitoring[10] | A listed AI use-case category: detecting anomalies in transactions with machine learning to prevent fraud, monitor suspicious activity and assess risk in real time. | Announced | AML / KYC |
| AI enablement in wealth client services[10] | The wealth-management plan includes AI enablement in client services and investment management alongside new platforms. | Announced | Generative & agentic AI |
Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.
Treasury tools compared across banks: AI in bank treasury management.
Which AI vendors and fintechs does Atlantic Union work with?
| Company | What Atlantic Union uses it for | Status | Category |
|---|---|---|---|
| Socure | Machine-learning identity verification and fraud management, listed among the bank's fintech partners in its December 2025 investor-day presentation | In production | Fraud detection |
Each vendor and fintech page cites the source for the relationship, and vendor pages list products, pricing and other bank customers. Compare AI tools for banks by category, or read the fintech and neobank AI dossiers.
What has Atlantic Union disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Data values validated in the Sandy Spring conversion | > 80 million (no sampling)[1] | Jun 1, 2026 |
| Call-centre abandonment rate in conversion month | 13% (forecast 50–70%)[1] | Jun 1, 2026 |
| Calls in October 2025 | > 66,000; volumes normal in 6 days[1] | Jun 1, 2026 |
| Consumer-lending cycle-time reduction from automation (investor-day estimate) | 20%[10] | Dec 10, 2025 |
| Sandy Spring deal value at closing | ≈ $1.3 billion (all stock)[11] | Apr 1, 2025 |
| Second-quarter 2026 net income to common | $158.0 million[9] | Jul 21, 2026 |
| First-quarter 2026 net charge-off ratio | 0.02%[5] | May 21, 2026 |
| CRE loans sold to Blackstone | ≈ $2 billion[13] | Jun 27, 2025 |
| Share of calls reviewed: manual today versus planned AI screening | ≈ 10% to 100%[1] | Jun 1, 2026 |
| 2026 adjusted operating noninterest expense guidance | $742–752 million[21] | Jul 21, 2026 |
| Second-quarter 2026 adjusted operating efficiency ratio | 47.47%[21] | Jul 21, 2026 |
| 2025 net income | $261.8 million (up 33%)[1] | Jun 1, 2026 |
| Customers served | > 800,000 across four jurisdictions[24] | Jun 16, 2026 |
| Banks in the Cari tokenized-deposit network | > 30 (about 40 more in talks)[25] | Jul 2, 2026 |
“We built code that doesn't sample. That equated to checking more than 80 million values.”[1]
Matt Linderman · Chief Information Officer · Jun 1, 2026
“At a regional scale, we're not going to have the funding to buy all the latest tech. So it's important to think about lowercase-i innovation.”[1]
Matt Linderman · Chief Information Officer · Jun 1, 2026
“We've got a pretty audacious AI agenda.”[1]
Matt Linderman · Chief Information Officer · Jun 1, 2026
“There are a lot of areas where we're so hyped on Gen AI that we lose sight of machine learning practices that have been around for 20 to 30 years.”[1]
Matt Linderman · Chief Information Officer · Jun 1, 2026
“AI, automation and advanced validation tools will make future conversions faster and more precise, but I believe that preparation, governance and people will remain the foundation of true success.”[22]
Matt Linderman · Chief Information Officer · Mar 16, 2026
“continuing to embrace new technologies like generative and agentic AI in a responsible manner that ensures that our institutions remain safe and sound.”[23]
John Asbury · President and CEO; ABA chair · Oct 20, 2025
“With the rapid growth of artificial intelligence, we plan to remain fast followers.”[10]
Atlantic Union Bankshares · Investor-day presentation, technology roadmap · Dec 10, 2025
Who runs AI at Atlantic Union?
John AsburyLinkedIn ↗
President and CEO; chaired the American Bankers Association to October 2025[9][2][23]
Maria TedescoLinkedIn ↗
President and Chief Operating Officer, Atlantic Union Bank[8][4]
Matt Linderman
Chief Information Officer (since 2023; ex-Capital One, PNC); presents the technology and AI roadmap and owns the AI agenda[1][10][22]
Doug WoolleyLinkedIn ↗
Chief Credit Officer (since 2016; retiring 1 April 2027, search under way)[2][19]
Shawn O'BrienLinkedIn ↗
EVP, Consumer and Business Banking Group Executive[6]
Alex Dodd
EVP and Chief Financial Officer (since 13 April 2026; previously deputy CFO at TD Bank Group)[17][20]
David Ring
Wholesale Banking Group Executive, Atlantic Union Bank; plans AI-powered relationship-insight tools for treasury bankers[10]
Which regulators govern Atlantic Union's AI?
| Authority | Why it matters here | Documents |
|---|---|---|
| Federal Reserve | Atlantic Union Bank is a Virginia state member bank; Fed model-risk guidance covers the AI and ML models the 10-K discloses and the third-party models it flags. | SR 11-7 SR 23-4 |
| CFPB | Consumer lending and servicing bring ECOA adverse-action and UDAAP duties to any AI-based decisioning. | ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9) |
| FDIC | Deposit-insurance supervision and interagency third-party guidance apply to vendor AI models. | FDIC FIL-29-2023 |
Side by side: SR 11-7 vs SR 26-2 · PRA SS1/23 vs SR 26-2 · MAS AI Risk Management Guidelines vs SR 26-2 · OCC vs CFPB on AI lending · all comparisons.
What does the public record suggest about Atlantic Union's AI strategy?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.
01
Automation without a model is still the biggest lever
The merger result came from deterministic code, not machine learning; it shows what a regional bank can get from engineering discipline before buying AI.
02
The 10-K reads like a bank preparing to deploy
Naming agentic AI, third-party model provenance and generative-AI error risk a year before launching anything is the disclosure pattern of a bank that expects examiners to ask.
03
The conversion tooling is reusable for the Carolinas build-out
Validation code and the operations dashboard transfer to branch openings and any future deal, which is where the 'little i' pays off twice.
04
Name the AI use cases next
The bank says it uses AI/ML models today and its investor day listed categories of use (servicing, operations, fraud and risk, revenue); saying which models already run where would let investors weigh the risk factor it has written.
Where does the Atlantic Union record go deeper?
How does Atlantic Union compare with its peers?
- How does Atlantic Union Bankshares compare with its peers on AI and technology?
- Atlantic Union Bankshares competitors and alternatives, by business line
Its peer group on this site, by business model and size:
How does Atlantic Union Bank use AI?
Atlantic Union says in its 2025 annual report that it is exploring opportunities with artificial intelligence and that some of the models it uses already employ AI or machine learning. At its December 2025 investor day it set out a 'fast follower' AI strategy focused first on governance, vendor pilots and internal productivity, listed Socure (a machine-learning identity-verification and fraud tool) in its technology stack, and put an AI-enhanced chatbot and AI call-centre quality-control tools on its roadmap. Its best-documented technology achievement is the automated data conversion and validation for the Sandy Spring Bancorp integration in October 2025.
Who is Atlantic Union's CIO?
Matt Linderman, who joined in 2023 after 20 years at large banks including Capital One and PNC. He was ranked 31st on American Banker's 2026 Most Innovative People in Finance for automating the Sandy Spring merger conversion with a ten-person team.
Who leads AI at Atlantic Union?
The sources reviewed name no chief AI officer or chief data officer. Matt Linderman, chief information officer since 2023 and a Capital One and PNC veteran, owns the technology and AI roadmap and told American Banker in June 2026 that the bank has 'a pretty audacious AI agenda', starting with AI screening of every call-centre recording. CEO John Asbury set the tone in October 2025 by urging responsible use of generative and agentic AI. David Ring, wholesale banking group executive, plans AI relationship-insight tools for treasury bankers. Alex Dodd became CFO on 13 April 2026, and Maria Tedesco is president and chief operating officer of the bank.
Does Atlantic Union use generative AI?
Only in limited, mostly internal ways, on the public record. The December 2025 investor-day deck says the bank will use large language models 'like Chat GPT or Copilot' for teammate productivity and customer experience first, under a 'fast follower' approach: governance, vendor pilots, low-risk internal uses, customer-facing uses later. An AI-enhanced chatbot is on the consumer roadmap. The 2025 10-K warns that generative models may give incorrect outputs, release confidential information or reflect bias. The Q1 and Q2 2026 call transcripts do not discuss AI.
Which vendors and partners does Atlantic Union name for technology and AI?
Atlantic Union names fintech platforms rather than AI labs. The December 2025 investor-day deck lists Socure (machine-learning identity verification and fraud), Salesforce (case management), nCino and Blend (lending origination), Q2 (digital banking) and MuleSoft (integration), and states an aim to reduce reliance on one core vendor. In June 2026 it chose Spiral for savings tools, and in July 2026 Cari named it among banks joining its tokenized-deposit network. No OpenAI, Anthropic, Google, Microsoft or Nvidia agreement is public, and no patents assigned to the bank were found.
- #31 Atlantic Union's CIO automated his way through a $14 billion merger
- Atlantic Union plans more branches to speed Carolinas growth
- Atlantic Union's growth-minded CEO looks south to Carolinas
- The Most Powerful Women to Watch, No. 24, Maria Tedesco, Atlantic Union Bank
- What's a banker to say when charge-offs are microscopic?
- Shawn O'Brien, EVP, Consumer and Business Banking, Atlantic Union Bank (speaker profile)
- Atlantic Union Bankshares 2025 Annual Report to Shareholders (Form ARS, including the Form 10-K)
- Atlantic Union Bank Completes Integration of Sandy Spring Bank
- Atlantic Union Bankshares Reports Second Quarter Financial Results
- Atlantic Union Bankshares Investor Day presentation, December 10, 2025 (Form 8-K, Exhibit 99.1)
- Atlantic Union Bankshares Corporation Completes Acquisition of Sandy Spring Bancorp, Inc.
- AI Fraud: What It Is and How to Stay Protected
- Atlantic Union sells roughly $2B in CRE loans to Blackstone
- Atlantic Union Bankshares Form 10-K for the year ended December 31, 2025
- Atlantic Union Bankshares Form 10-Q for the quarter ended March 31, 2026
- Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026
- Atlantic Union Bankshares Form 8-K, Item 5.02: Alexander D. Dodd appointed Chief Financial Officer
- Atlantic Union Bankshares Announces Planned Retirement of Robert M. Gorman, EVP and Chief Financial Officer
- Atlantic Union Bank Announces Planned Retirement of Doug Woolley
- Atlantic Union (AUB) Q1 2026 Earnings Transcript (earnings call transcript)
- Earnings call transcript: Atlantic Union Bankshares tops Q2 2026 estimates
- What Every Organization Can Learn From A Bank System Conversion (by Matt Linderman, CIO)
- Asbury 'energized' to keep fighting for banking industry
- Atlantic Union Bank Selects Spiral to Boost Customer Savings and Community Impact Through Everyday Banking
- Cari Joins American Bankers Association's Premier Partner Network, Expands Bank-Governed Tokenized Deposit Network
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