How does FNB govern AI, and how has its disclosure changed?
FNB's AI governance is set out in its 2026 proxy statement, filed March 25, 2026. The Board Risk Committee oversees FNB's AI governance and decision-making; an Artificial Intelligence Policy and a Model Risk Management Policy cover transparency, model explainability, bias mitigation and governance standards; and the director of AI and innovation works with a Data and AI Governance Committee and a Model Risk Management Committee, is building AI training for all employees, and is helping develop an AI curriculum for the board with outside experts. Two directors have AI training from universities, one an MIT certificate. The disclosure is new. The 10-K for 2024, filed February 2025, mentioned artificial intelligence only in passing and had no AI risk factor, and the 2025 proxy mentioned AI only among achievements and in a director biography. AI first entered FNB's risk list in the third-quarter 2025 10-Q, as 'reliance on third-party vendors and artificial intelligence', and the 10-K for 2025, filed February 2026, added a full risk factor on heavy reliance on models, AI and generative AI, covering biased outputs, third-party models, fair lending and privacy. FNB publishes no AI principles document, model inventory or bias-testing results.[1][2][3][4][5]
Data as of Oct 16, 2026 · FNB profile updated Oct 13, 2026 · 14 sources cited on this page · 140 banks profiled on this site · Markdown
Who oversees AI at FNB, and under which policies?
| Element | What it does | Source date |
|---|---|---|
| Board Risk Committee | Oversees FNB's AI governance and decision-making on the use and integration of AI across operations; chaired by Heidi Nicholas | March 25, 2026[1] |
| Artificial Intelligence Policy and Model Risk Management Policy | Designed to promote 'a thoughtful and deliberate process' with a focus on transparency, model explainability, bias mitigation and governance standards | March 25, 2026[1] |
| Data and AI Governance Committee; Model Risk Management Committee | Management committees the director of AI and innovation works with to deploy AI tools in line with policy | March 25, 2026[1] |
| Director of AI and Innovation | Santosh Sinha, hired September 2025 to run an AI strategy 'with a focus on ethical and compliant practices' | September 18, 2025[6] |
| Training | AI training for all employees in development; an AI education curriculum for the board with leading outside experts; two directors with university AI programs | March 25, 2026[1] |
| Information security | The CISO chairs an Information Security Committee of risk, IT and line-of-business leaders; the 10-K warns attacks could be 'enhanced or facilitated by AI' | February 24, 2026[5] |
How has AI appeared in FNB's SEC filings over time?
| Filing | What it says about AI | Filed |
|---|---|---|
| 10-K for 2024 | AI mentioned only in passing: rapid developments in AI as part of technological change, and federal policy encouraging AI; no AI risk factor | February 27, 2025[2] |
| 2025 proxy | AI appears in a list of achievements (RPA, workflow automation, AI and machine learning to automate processes and recommend products) and in a director biography; no AI oversight section | March 27, 2025[3] |
| 10-Q for Q3 2025 | Adds 'risks associated with reliance on third-party vendors and artificial intelligence' to the forward-looking risk list | November 5, 2025[4] |
| 10-K for 2025 | New risk factor: heavy reliance on models, AI and generative AI in credit decisioning, fraud detection, risk monitoring, customer engagement and productivity; biased or inaccurate outputs; third-party models; fair-lending, privacy and consumer-protection exposure | February 24, 2026[5] |
| 2026 proxy | Board Risk Committee oversight of AI, AI Policy, governance committees and training; shareholders' engagement topics included AI | March 25, 2026[1] |
| 10-Qs for Q1 and Q2 2026 | Repeat the third-party vendors and AI risk item; no further AI disclosure | May 6 and August 5, 2026[7][8] |
What does FNB not publish about responsible AI?
FNB has no public AI principles document, no model inventory and no fairness or bias-testing results. Its 10-K acknowledges that generative AI 'may sometimes produce inaccurate, incomplete, biased or misleading outputs' and that it may depend on how third parties train their models, 'matters over which we may have limited visibility'.[5]
Customer-facing AI that will test the framework is coming: Insight 360 recommends products from aggregated data and is due by the end of 2026, and AI already drives Common app insights and Opportunity IQ leads. FNB has not said how these models are validated for fair-lending purposes.[9][10][11]
What does the FNB profile record on this topic?
The rows below are the entries of the FNB AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 28 dated moves, 15 use cases and 33 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Ethical and compliant AI strategy | Explicit remit of the director of AI and innovation. | Rolling out | [6] |
| AI and generative-AI risk factor | The 10-K flags inaccurate or biased generative-AI output, dependence on data quality and model governance, third-party model training risk, and fair-lending, privacy and consumer-protection exposure. | In production | [5] |
| Credit decisioning and CECL models | The 10-K says FNB relies heavily on models, AI and generative AI in credit decisioning; the investor day lists 16 CECL and stress-testing models; the data-science team runs strategic decisioning systems for credit and risk. | In production | [5][11][6] |
| AI Policy, Data and AI Governance Committee and employee training | Board Risk Committee oversight; the director of AI and innovation works with the governance and model-risk committees and is building AI training for all staff and a board curriculum. | Rolling out | [1] |
| Atomic payroll and payment switching | FNB invested in Atomic in April 2025 and uses it for direct-deposit switching in account opening; the 10-K adds that FNB may rely on third-party AI models whose training data it cannot see. | In production | [12][13][5] |
| AI-enabled cyber risk and security reporting line | The 10-K says cyber-attacks could be 'enhanced or facilitated by AI'; information security reports to the CISO and then to the chief risk officer, and the Board Risk Committee oversees cyber risk. | In production | [5][1] |
| Date | Move | Detail | Source |
|---|---|---|---|
| Aug 5, 2026 | Q2 2026 10-Q: same AI language as the first quarter | The 10-Q repeats the 'third-party vendors and artificial intelligence' risk item and adds no AI disclosure beyond the 2025 10-K. | [8] |
| May 6, 2026 | Q1 2026 10-Q: AI appears only in the forward-looking risk list | The filing's only AI reference is the risk of 'reliance on third-party vendors and artificial intelligence'; the AI discussion sits in the 10-K. | [7] |
| Mar 25, 2026 | Proxy: Board Risk Committee oversees AI governance | The 2026 proxy names an AI Policy, a Model Risk Management Policy, a Data and AI Governance Committee, AI training for all employees and an AI curriculum for the board. | [1] |
| Feb 24, 2026 | 2025 10-K: heavy reliance on models, AI and generative AI | Risk factor covers credit decisioning, fraud detection, risk monitoring, customer engagement and productivity uses, generative-AI output errors, third-party models, and fair-lending and privacy exposure. | [5] |
| May 27, 2025 | Chris Chan made chief strategy officer over digital, data science and governance | Chan, reporting to Delie, takes digital channels, eCommerce, data science and data management and governance; FNB says it will add a director of AI and innovation for enterprise AI implementation and fintech partnerships. | [14] |
Who oversees AI at FNB?
The Board Risk Committee, chaired by Heidi Nicholas, oversees FNB's AI governance and decision-making, according to the 2026 proxy statement. In management, director of AI and innovation Santosh Sinha works with a Data and AI Governance Committee and a Model Risk Management Committee, under chief strategy officer Chris Chan.
Does FNB have an AI policy?
Yes. The 2026 proxy statement says FNB has an Artificial Intelligence Policy and a Model Risk Management Policy designed to promote a deliberate process for deploying AI, with a focus on transparency, model explainability, bias mitigation and governance standards. FNB has not published the policies themselves.
When did FNB start disclosing AI risk?
FNB's 10-K for 2024, filed in February 2025, mentioned artificial intelligence only in passing. AI entered its forward-looking risk list in the third-quarter 2025 10-Q, and the 10-K for 2025, filed February 24, 2026, added a full risk factor on its heavy reliance on models, AI and generative AI.
Is FNB training staff and directors on AI?
Yes, by its account. The director of AI and innovation is developing AI training for all FNB employees, FNB is working with leading AI experts on an AI education curriculum for the board, and two directors have completed university AI programs, including an MIT certificate on AI and business strategy.
- F.N.B. Corporation 2026 Proxy Statement (Schedule 14A)
- F.N.B. Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2024
- F.N.B. Corporation 2025 Proxy Statement (Schedule 14A)
- F.N.B. Corporation Quarterly Report on Form 10-Q for the quarter ended September 30, 2025
- F.N.B. Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- FNB Adds AI and Data Science Directors to Strategy Leadership Team
- F.N.B. Corporation Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
- F.N.B. Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
- F.N.B. Q2 Earnings Call Highlights
- F.N.B. Corporation Further Expands eStore Common Application Capabilities with Introduction of Business Loan Products
- F.N.B. Corporation Investor Day presentation (Form 8-K, Exhibit 99.1)
- Atomic Raises $10 Million in Strategic Round from Capital One Ventures, Citi Ventures, and F.N.B. Corporation
- FNB Introduces Direct Deposit Switch Capabilities
- FNB Appoints Christopher Chan as Chief Strategy Officer
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