# F.N.B. Corporation: Responsible AI

Source: https://www.bankingnewsai.com/banks/fnb/responsible-ai
Last updated: Oct 16, 2026

*Part of the [F.N.B. Corporation AI strategy profile](https://www.bankingnewsai.com/banks/fnb).*

## 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. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000071/fnb-20241231.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312525064881/d910267ddef14a.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000135/fnb-20250930.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm))

## Who oversees AI at FNB, and under which policies?

| Element | What it does | Source date | Sources |
| --- | --- | --- | --- |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm) |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm) |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm) |
| 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 | [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918) |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm) |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm) |

## How has AI appeared in FNB's SEC filings over time?

| Filing | What it says about AI | Filed | Sources |
| --- | --- | --- | --- |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000071/fnb-20241231.htm) |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312525064881/d910267ddef14a.htm) |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000135/fnb-20250930.htm) |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm) |
| 2026 proxy | Board Risk Committee oversight of AI, AI Policy, governance committees and training; shareholders' engagement topics included AI | March 25, 2026 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm) |
| 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 | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000011/fnb-20260331.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.htm) |

## 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'. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm))

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. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/f-n-b-q2-earnings-150341871.html), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm))

## What does the FNB profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| 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. | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.htm) |
| 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. | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000011/fnb-20260331.htm) |
| 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. | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm) |
| 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. | [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm) |
| 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. | [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/250527-fnb-appoints-christopher-chan-as-chief-strategy) |

## Common questions

### 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.
## Deeper on FNB

- [What is FNB's AI strategy, and what has its CEO said about it?](https://www.bankingnewsai.com/banks/fnb/ai-strategy)
- [What technology does FNB run, and what does it build itself?](https://www.bankingnewsai.com/banks/fnb/technology-stack)


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