Florida's second-largest bank, owned by Chile's Bci, has consolidated 800 Miami staff into one headquarters and is pushing north to Orlando and Tampa, while its disclosed AI is a CISO-led webinar and vendor-driven mortgage pricing, with data and analytics under its chief strategy officer.
How is City National Florida using AI?
City National Bank of Florida (CNB), the Miami bank founded in 1946 and owned since 2015 by Chile's Banco de Crédito e Inversiones (Bci), has more than $28 billion of assets and more than 1,200 employees; it is one of the largest banks based in Florida and expects to reach $30 billion of assets by the end of 2026. Its AI record is thin. The bank's only first-party AI content is a May 2024 webinar, 'Exploring AI Trends for Small Businesses', presented by chief information security officer Brian Fricke with a Dell Technologies specialist, and its residential lending team uses Polly's product and pricing engine to adjust pricing, eligibility and rules as it expands beyond South Florida. Data and analytics sit with executive vice president and chief strategy officer Ernest Hartner, who also oversees TotalBank, CNB's digital-only bank. In December 2025 CNB added Spiral's round-up savings and charitable-giving tools to its digital banking to provide 'a more personalized digital experience'. Its former head of digital banking and transformation, Mark Jaundoo, who ran digital channels, CRM, lending, data and operating-model work, went on to be chief digital officer at Amerant Bank and is now at the fintech FintechOS. The corporate agenda is physical and geographic: in April 2025 CNB signed the largest office lease of the year in Miami, 145,000 square feet in the former Bacardi USA headquarters in Coral Gables, renamed the City National Financial Center, and it has since moved in, bringing 800 Miami-Dade team members under one roof; in July 2026 it opened a Tampa Bay regional headquarters for a team that tripled in size in a year, as part of a statewide growth strategy through Orlando and Tampa. With no SEC filings or earnings calls of its own, CNB publishes no AI risk disclosure. As a national bank CNB is supervised by the OCC, and as a subsidiary of a Chilean group it also sits inside Bci's consolidated risk framework. Treat this as a thin record.
Thin public record: A private subsidiary of Chile's Bci with no SEC filings or earnings calls of its own; beyond a 2024 small-business AI webinar and a vendor mortgage-pricing engine it has disclosed no AI deployment, AI leader or AI budget, and no AI role is open on its careers site.
Lead bank
City National Bank of Florida
Assets (lead bank, Jun 30, 2026)
$29 billion
Charter
National bank (OCC); subsidiary of Chile's Bci
Headquarters
Miami, FL
AI leadership
Jorge Gonzalez · Brian Fricke · Ernest Hartner · James Campanella · Ali Moghaddam · Mark Jaundoo
- Disclosed AI is client education: a May 2024 small-business AI trends webinar led by CISO Brian Fricke with Dell Technologies.
- Mortgage pricing runs on Polly's engine, letting capital markets adjust pricing, eligibility and rules as lending expands statewide.
- Digital-transformation talent has left: former head of digital banking and transformation Mark Jaundoo went on to be chief digital officer at Amerant Bank and is now head of product, US, at FintechOS.
- Data and analytics report to chief strategy officer Ernest Hartner, who also oversees TotalBank, CNB's digital-only bank; Spiral's round-up savings and giving tools were added to digital banking in December 2025.
- New headquarters: 145,000 square feet in Coral Gables, the largest Miami office lease of 2025, uniting 800 Miami-Dade staff (moved in 2026); Tampa Bay regional headquarters opened July 2026.
- FDIC data for 30 June 2026: $29.11 billion of assets, $22.11 billion of deposits, 30 offices and 1,172 employees (1,134 a quarter earlier); net income was $177.6 million for the first half and $260.9 million for 2025.
- Fraud controls on the public record are rules-based: ACH and check Positive Pay, ACH debit block and filtering, and app-based Card Control; no machine-learning fraud engine is disclosed.
- Its AI messaging is mostly about the threat side: a January 2024 post on AI voice-cloning scams and a May 2025 post saying criminals use AI to crack passwords.
- The bank's executive team page, checked 14 October 2026, lists a chief operations officer, a chief enterprise risk management and legal officer and a chief strategy officer, but no CISO, CIO, CTO, chief data officer or AI head.
- The April 2025 headquarters plan consolidates information technology with finance, human resources and the business lines in one Coral Gables building.
- Group level, not CNB-specific: Bci's 2025 annual report says it created an AI Centre of Excellence in 2024 and accelerated generative-AI adoption in 2025 towards an 'AI-first' organisation; its Q2 2026 report credits AI tools for lower costs at Lider Bci in Chile, while CNB's flat costs are attributed to Project Win, lower consultancy and credit-process efficiencies.
- Scale: more than $28 billion of assets (about $30 billion expected by end-2026), more than 1,200 employees; owned by Chile's Bci since 2015. No SEC filings or earnings calls, so no AI risk disclosure.
What AI partnerships and patents does City National Bank of Florida have?
City National Bank of Florida names two technology relationships with any AI link: Dell Technologies, whose specialist co-presented the bank's May 2024 small-business AI webinar, and Polly, whose product and pricing engine the mortgage team uses and which sponsored the July 2026 HousingWire piece; the bank does not call Polly AI. A Google Patents assignee search on 14 October 2026 found no granted patent or published application assigned to the bank or to Bci. At group level Bci reports a Gemini (Google) generative-AI deployment, but no document says CNB uses it; no CNB AI lab, cloud or data-vendor contract is public.[1][5][24][21]
| Item | What it is | Status | Date |
|---|---|---|---|
| Dell Technologies | Dr Hernan Londono of Dell co-presented the small-business AI trends webinar with CISO Brian Fricke | Webinar held | 2024-05-28[1] |
| Polly | Product and pricing engine for residential lending; adjusts pricing, eligibility and rules; AI use not stated | In production | 2026-07-28[5] |
| Gemini (Google), Bci group | Generative-AI deployment at the parent; CNB use not stated | In production (group-level) | 2025-12-31[21] |
| Patents and published applications | Google Patents assignee search for the bank and for Bci | None found | 2026-10-14[24] |
What has City National Florida done on AI, and when?
- Jul 28, 2026
Residential lending strategy and Polly pricing engine[5]
Next-generation technology and partnerships as the bank expands beyond South Florida; the piece is sponsored by Polly.
- Jul 13, 2026
Tampa Bay regional headquarters opens[7]
Regional team tripled in a year; Tampa Bay loan activity up 175% year on year; team to grow another 50% by end-2026.
- Jun 30, 2026
Bci first-half 2026 report: AI tools cited at Lider Bci, not at CNB (group-level)[23]
Bci attributes lower Lider Bci costs partly to AI tools and lower fraud losses; CNB's costs fell 0.2% on lower consultancy fees, litigation reimbursements and credit-process efficiencies, with Project Win raising staff costs.
- Jun 30, 2026
- May 27, 2026
Former head of digital banking and transformation profiled at Digital Banking 2026[4]
Mark Jaundoo led digital channels, CRM, lending, data and operating model at CNB.
- May 19, 2026
ePartner treasury platform promoted for scalable payables[16]
Centralises ACH, wires, reporting and user roles and permissions; the post describes no AI feature.
- Mar 3, 2026
Sports partnership with PGA Tour winner Nico Echavarria[3]
Bank cites more than $28 billion of assets.
- Dec 31, 2025
Bci group reports Gemini rollout with more than 80% internal adoption in the first month (group-level)[21]
Bci's 4Q2025 corporate presentation lists the generative-AI deployment under Innovation and Tech; it does not say whether CNB staff use it.
- Dec 9, 2025
Spiral round-up savings and giving added to digital banking[6]
Roundup Center and Giving Center integrated to increase engagement and provide a more personalised digital experience.
- Nov 28, 2025
Client alert on FBI warning about impersonation and account-takeover scams[15]
Cites more than 5,100 FBI complaints and over $262 million of reported losses since January 2025.
- May 1, 2025
Client post says criminals use AI to crack passwords[14]
Advises strong unique passwords and two-factor authentication, including biometric verification.
- Apr 8, 2025
Corporate headquarters expansion in Coral Gables[2]
145,000 square feet; City National Financial Center; 800 Miami-based team members under one roof from 2026, including information technology, human resources and finance.
- Oct 9, 2024
CISO-hosted cybersecurity training for business clients[13]
Training hosted by chief information security officer Brian Fricke; the accompanying post covers multi-factor authentication, patching, audits and employee training.
- May 28, 2024
Webinar: Exploring AI Trends for Small Businesses[1]
CISO Brian Fricke with Dell Technologies on integrating AI into business operations.
- Apr 22, 2024
Card Control described for the mobile app[12]
Usage controls by location, spend limit, merchant and transaction type, per-transaction alerts, Apple Pay and Google Pay.
- Jan 17, 2024
Client post on AI voice-cloning scams[11]
Explains how scammers use AI to imitate a relative's voice and tells clients to verify through a known number; sourced to the Federal Trade Commission.
Where does City National Florida use AI today?
| System | What it does | Status | Use case |
|---|---|---|---|
| Polly product and pricing engine for residential lending[5] | Rules, eligibility and pricing adjusted quickly across portfolio products. | In production | Credit scoring & underwriting |
| CISO-led AI education for small businesses[1] | Webinar on AI trends, tools and safe integration. | In production | Cybersecurity |
| ACH and check Positive Pay, debit block and filtering[17] | Rules-based screening of ACH and check items against issued payments, per-vendor debit filters, and SMS or email alerts; no machine-learning fraud engine is disclosed. | In production | Fraud detection |
| Card Control in the mobile app[12] | Cardholders switch cards off and set limits by location, spend, merchant and transaction type, with alerts for each transaction or attempt; no AI component is disclosed. | In production | Fraud detection |
| Client education on AI voice-cloning and impersonation scams[11][15] | A January 2024 post on AI voice cloning and a November 2025 alert on impersonation and account-takeover scams; education content, not a detection system. | In production | Fraud detection |
| CISO-hosted cybersecurity training for business clients[13] | October 2024 training led by Brian Fricke covering multi-factor authentication, patching, audits and staff awareness. | In production | Cybersecurity |
| Bci group generative-AI rollout (Gemini), group-level[21][22] | Bci reports more than 80% internal adoption in the first month and an AI Centre of Excellence created in 2024; neither document says CNB uses the tools. | In production | Generative & agentic AI |
| ePartner treasury platform[16] | ACH, wires, reporting and user roles and permissions in one commercial platform; no AI feature is described. | In production | Third-party & vendor AI |
| Spiral personalised savings and giving[6] | Vendor round-up and giving tools integrated with CNB's digital banking; no AI component disclosed. | In production | Third-party & vendor AI |
Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.
What has City National Florida disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Total assets | > $28 billion[3] | Mar 3, 2026 |
| New headquarters | 145,000 sq ft; 800 team members[2] | Apr 8, 2025 |
| Expected total assets, end-2026 | ≈ $30 billion[8] | Sep 24, 2026 |
| Total assets (FDIC) | $29.11 billion[19] | Jun 30, 2026 |
| Total deposits (FDIC) | $22.11 billion[19] | Jun 30, 2026 |
| Net loans and leases (FDIC) | $20.38 billion[19] | Jun 30, 2026 |
| Employees (FDIC) | 1,172 (1,134 at 31 March 2026)[19] | Jun 30, 2026 |
| Net income, first half of 2026 (FDIC) | $177.6 million[19] | Jun 30, 2026 |
| Net income, full year 2025 (FDIC) | $260.9 million[19] | Dec 31, 2025 |
| Offices (FDIC) | 30[20] | Jun 30, 2026 |
| Bci group Gemini internal adoption, first month (group-level) | > 80%[21] | Dec 31, 2025 |
| Tampa Bay loan activity, year on year | +175%[7] | Jul 13, 2026 |
“CNB now ranks among the largest banks based in Florida and one of the 75-largest commercial banks in the U.S. by asset value.”[2]
City National Bank of Florida · Headquarters announcement · Apr 8, 2025
“Bringing together teams currently stationed in Downtown Miami, the Brickell Financial District, and our existing Coral Gables office will foster deeper collaboration, streamline our operations, and create an environment where relationships thrive.”[2]
Jorge Gonzalez · Vice Chairman and CEO · Apr 8, 2025
“We're dedicated to providing our clients with innovative tools that help them build better lives while supporting their local communities.”[6]
James Campanella · Chief Operations Officer · Dec 9, 2025
“Using our strength in Florida and the global reach of our parent company, this new group is a springboard in completing capital markets transactions across the country and a natural next step for CNB as we expand our platform and enhance our offerings as a full-service commercial bank.”[18]
Jorge Gonzalez · Vice Chairman and CEO · Aug 6, 2024
Who runs AI at City National Florida?
Jorge GonzalezLinkedIn ↗
Vice Chairman and CEO[2]
Brian FrickeLinkedIn ↗
Chief Information Security Officer (as of the May and October 2024 webinar and training posts; not on the October 2026 team page)[1][13][10]
Ernest HartnerLinkedIn ↗
EVP, Chief Strategy Officer (Strategy, Data & Analytics, TotalBank)[9]
Ali Moghaddam
EVP, Chief Enterprise Risk Management and Legal Officer[10]
Mark Jaundoo
Former Head of Digital Banking & Transformation (later chief digital officer at Amerant Bank; now FintechOS)[4]
What AI roles is City National Florida hiring for?
Data as of · 1 AI-titled posting · read from City National Florida's own careers site, re-checked weekly
1 open AI-related posting on City National Florida's careers site as of Oct 25, 2026. A snapshot of current openings, not a source: postings close. Compare with other banks on which banks are hiring for AI.
Which regulators govern City National Florida's AI?
| Authority | Why it matters here | Documents |
|---|---|---|
| OCC | CNB is a national bank; OCC model-risk and gen-AI risk expectations govern any AI in pricing, credit or servicing. | OCC Bulletin 2026-13 OCC Semiannual Risk Perspective, Spring 2026 |
| Federal Reserve | Foreign ownership by Bci brings Fed oversight of the US operations and third-party technology. | SR 23-4 SR 11-7 |
| CFPB | Residential lending pricing engines carry fair-lending and adverse-action duties. | ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9) |
Side by side: SR 11-7 vs SR 26-2 · OCC vs CFPB on AI lending · PRA SS1/23 vs SR 26-2 · MAS AI Risk Management Guidelines vs SR 26-2 · all comparisons.
What does the public record suggest about City National Florida's AI strategy?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.
01
Name who owns AI
Data and analytics sit under the chief strategy officer and the executive team page lists no CISO, CIO or CTO, so no one is named as accountable for AI; a named owner is the first thing examiners and clients will ask for.
02
The parent's plans do not disclose the subsidiary's
As a Bci subsidiary without SEC filings, CNB has no AI risk disclosure of its own; a short public statement of how it uses and governs AI would fill that gap.
03
Pricing engines are already model risk
A vendor pricing engine that sets eligibility and rules is within OCC model-risk scope regardless of the AI label.
04
Talent turnover is the risk to watch
Losing the head of digital transformation before an AI leader arrives leaves a gap in continuity for data and CRM work.
Where does the City National Florida record go deeper?
Which leader rankings does City National Florida appear in?
2 of the computed leaders rankings include City National Florida, each ranked from the same sourced bank pages.
How does City National Florida compare with its peers?
- How does City National Bank of Florida compare with its peers on AI and technology?
- City National Bank of Florida competitors and alternatives, by business line
Its peer group on this site, by business model and size:
Who leads AI at City National Bank of Florida?
The bank has not named a head of AI, chief AI officer, chief data officer or chief technology officer. Its executive team page, checked on 14 October 2026, lists chief operations officer James Campanella and chief enterprise risk management and legal officer Ali Moghaddam but no technology, data or AI executive. Ernest Hartner, executive vice president and chief strategy officer, oversees strategy, data and analytics and TotalBank. Brian Fricke presented the May 2024 AI webinar as chief information security officer but no longer appears on the page. Mark Jaundoo, former head of digital banking and transformation, is now at FintechOS after a spell as chief digital officer at Amerant Bank.
Does City National Bank of Florida use AI?
CNB has not disclosed an AI deployment. Its AI content is a 2024 small-business webinar led by its chief information security officer, and its mortgage business uses a vendor pricing engine. As a private subsidiary of Chile's Bci it files no 10-K and holds no earnings calls, so it publishes no AI risk disclosure.
Who runs data and technology at City National Bank of Florida?
Ernest Hartner, executive vice president and chief strategy officer, oversees strategy, data and analytics, and TotalBank, the bank's digital-only bank. Brian Fricke presented the 2024 AI webinar as chief information security officer but is not on the October 2026 team page; James Campanella is chief operations officer and Ali Moghaddam chief enterprise risk management and legal officer. The former head of digital banking and transformation, Mark Jaundoo, has left.
How does City National Bank of Florida handle fraud?
Its public record describes rules-based controls: ACH Positive Pay, check Positive Pay, ACH debit block and filtering with SMS or email alerts, and Card Control in the mobile app for limits by location, spend, merchant and transaction type. Client education covers AI voice-cloning scams (January 2024), password cracking with AI (May 2025) and FBI-reported impersonation scams (November 2025). The bank discloses no machine-learning fraud model, vendor or loss figure, and as a private Bci subsidiary it publishes no risk disclosure of its own.
How big is City National Bank of Florida?
FDIC data for 30 June 2026 show $29.11 billion of assets, $22.11 billion of deposits, $20.38 billion of net loans, 30 offices and 1,172 employees. Net income was $177.6 million for the first half of 2026 and $260.9 million for 2025. The bank says it expects to reach about $30 billion of assets by the end of 2026. It has been owned since 2015 by Chile's Banco de Crédito e Inversiones (Bci) and files no SEC reports of its own.
Who owns City National Bank of Florida?
Chile's Banco de Crédito e Inversiones (Bci) has owned it since 2015. CNB has more than $28 billion of assets, operates from Miami-Dade to Orlando and Tampa Bay, and has moved its headquarters to the City National Financial Center in Coral Gables.
- Webinar: Exploring AI Trends for Small Businesses
- City National Bank of Florida To Expand Corporate Headquarters in Coral Gables
- City National Bank of Florida Expands Sports Partnership Platform with Three-Time PGA Tour Winner Nico Echavarria
- Mark Jaundoo
- The New York sessions: City National Bank of Florida's service-first growth strategy
- City National Bank of Florida Selects Spiral to Empower Personalized Savings and Community Giving Through Everyday Banking
- City National Bank of Florida Opens New Tampa Bay Headquarters
- 80 Years of Excellence
- Ernest Hartner
- Team directory
- What are AI Voice-Cloning Scams?
- Card Control: Enhancing Your Digital Wallet Experience
- Strengthening Your Business: Overview of Essential Cybersecurity Practices (Training)
- Are Your Password Habits Putting You At Risk? Let's Fix That
- Important FBI Security Alert: Protect Your Accounts from New Scam Trends
- How Growing Businesses Can Modernize Payables
- Fraud Prevention Solutions for Your Business
- City National Bank of Florida Launches National Capital Markets Group Under BciCapital Brand
- BankFind financial data, City National Bank of Florida (FDIC certificate 20234)
- BankFind institution record, City National Bank of Florida (FDIC certificate 20234)
- Bci corporate presentation 4Q2025
- Memoria Integrada 2025
- Informe financiero 1S 2026
- Google Patents assignee search: City National Bank of Florida
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