A 168-year-old family-owned bank that put AI agents into financial-crime investigations before most public banks its size, cutting time per case in half, while buying three banks in sixteen months.
How is FNBO using AI?
First National Bank of Omaha, the $35 billion national bank owned by the Lauritzen family and one of the largest privately held banks in the US, is an early adopter of agentic AI in the part of banking where the workload is most repetitive: financial-crime investigation. In June 2026 its executives told American Banker that AI agents from its existing vendor, Nasdaq Verafin, had taken on parts of the work of human investigators, reducing the time spent per case by 50% and making responses to fraud, anti-money-laundering and sanctions alerts more consistent. The agents, built on AWS Bedrock, handle level-one alert triage: an enhanced-due-diligence agent gathers transaction history, entity data and context to judge whether an alert merits a suspicious activity report, and a sanctions agent assembles the evidence around OFAC name matches, while investigators keep the final decision. Chief risk officer Nick Baxter described it as the answer to 'consistent challenges' that keep the bank 'looking for a better way'. Around that deployment FNBO's public AI voice is defensive and grounded: CISO Jeff Weeks writes on AI-powered scams, deepfakes and AI as a 'double-edged sword' in cybersecurity; the bank's 2025 financial-wellbeing study found 46% of Americans had used AI such as ChatGPT for personal finances and a further 50% trust AI for financial advice; and its commercial-payments leader says the bank partners for outcomes rather than chasing 'the allure of emerging technologies like APIs and AI'. The bank is also consolidating: it bought Country Club Bank in Kansas City ($2.2 billion of assets, announced May 2025), agreed in June 2026 to buy Blue Ridge Bancshares in Independence, Missouri, and in September 2026 agreed to pay about $200 million in cash for Denver-based InBankshares, with regulatory approval expected by the end of 2026 and rebranding and customer conversion in the second half of 2027. The Blue Ridge deal closed on 1 October 2026, with rebranding and customer conversion planned for early 2027. As a national bank FNBO answers to the OCC for the model-risk and third-party controls around vendor AI agents. A second vendor agent works in fraud investigation: in vendor-reported results, Pindrop said in March 2026 that FNBO, one of the first customers of its Fraud Assist agent, had cut case investigation time by 35–40%, improved fraud-analyst accuracy by 50% and raised case productivity by 42% without adding headcount, with director of fraud management Steve Furlong crediting generative AI that translates and summarises phone calls. In his letter on 2025, a year of record $533 million earnings, Lauritzen counted artificial intelligence among the things the bank now does routinely that it could not have imagined five years earlier. The record is older than the agents: in 2019 FNBO piloted Upstart's AI-based lending software, lending tens of millions of dollars, and briefed the OCC on it.
Thin public record: Privately held: no SEC filings or earnings calls. What is on the record comes from the owner's annual financial summary, a vendor release and press coverage.
Lead bank
First National Bank of Omaha
Assets (lead bank, Jun 30, 2026)
$34 billion
Charter
National bank (OCC); privately held by the Lauritzen family through First National of Nebraska
Headquarters
Omaha, NE
Flagship platform
Nasdaq Verafin AI agents for financial-crime investigation
AI leadership
Clark Lauritzen · Nick Baxter · Jeff Weeks · Tammy Trilli · Matthew S. Spyers · David E. Cota Jr. · Steve Furlong · Erin Saxby · David Dawson · Cory Mann · Marc Butterfield
- AI agents in production for financial crime: Nasdaq Verafin's enhanced-due-diligence and sanctions-screening agents cut investigator time per case by 50% (June 2026).
- Humans keep the decision: agents do level-one triage and evidence gathering; investigators decide whether to file a suspicious activity report.
- Vendor-led adoption on AWS Bedrock, extending a system the bank already used, rather than an in-house build.
- Security voice: CISO Jeff Weeks publishes guidance on AI scams, deepfakes and AI in cybersecurity; the bank's survey found 46% of Americans have used AI for personal finances.
- Partnership philosophy: commercial payments head Tammy Trilli cautions against pursuing innovations 'solely for their novelty' and says partnerships need alignment on key performance indicators.
- Three deals in 16 months: Country Club Bank (Kansas City), Blue Ridge Bancshares (Independence, MO) and InBankshares (Denver, about $200 million cash).
- Second agentic deployment in fraud: Pindrop reports that its Fraud Assist cut FNBO's fraud-case investigation time by 35–40% and raised analyst accuracy by 50% (vendor-reported, March 2026).
- Owner's view: the chairman's 2025 letter to stockholders says AI is now something the bank does routinely; open roles include a director of data and AI management and governance (September 2026).
- An early AI lender: FNBO piloted Upstart's AI-based lending software from July 2019, lent tens of millions of dollars, and briefed the OCC on it.
- Named owner of generative AI: Erin Saxby, vice president of technology data services, leads FNBO's technology data teams and spearheads its generative-AI strategy (University of Nebraska Omaha speaker profile, October 2025).
- Measured gain on the human side: FNBO has 15 financial-crime investigators and analysts, and BSA/AML officer David Dawson says an enhanced-due-diligence case that took half an hour now takes about 15 minutes.
- Scoped agents: Nasdaq Verafin's agents get the same access controls in its system as a human investigator would; chief risk officer Nick Baxter says FNBO started with low-risk jobs that were easy to explain, and Verafin released an Agentic Fraud Analyst in June 2026 that FNBO may use next.
- Card losses fell in 2025: the principal charge-off rate on credit cards, FNBO's largest loan category, dropped to 4.92% from 5.52%, which the owner's letter attributes in part to better underwriting capabilities, technology and processes.
- AI lending since 2019: the Upstart personal-loan pilot (Net Promoter Score 83) became a nationwide programme in December 2021, with 78% of loans approved instantly and a plan to extend it to affinity partners.
- Co-brand card stack: FNBO is the 15th-largest US card issuer with more than 90 card partners (AWS guest post), and in August 2025 it added Prove Pre-Fill identity verification to co-branded card onboarding.
What is Nasdaq Verafin AI agents for financial-crime investigation?
FNBO was already running Nasdaq Verafin's anti-money-laundering and fraud analytics when the vendor introduced two AI agents built on AWS Bedrock: an enhanced-due-diligence agent that does the level-one triage on AML, fraud and sanctions alerts to decide whether a suspicious activity report is warranted or the alert is a false positive, and a sanctions-screening agent that pulls a customer's transaction history and context when a name matches the OFAC list. Bank executives told American Banker in June 2026 that the agents had cut the time investigators spend per case by 50% and were helping them respond consistently to fraud, money-laundering and sanctions alerts, with the final judgment left to human investigators. Chief risk officer Nick Baxter framed it as the search for 'a better way' against constant financial-crime pressure. Jeff Weeks, senior vice-president and chief information security officer and with the bank for more than 26 years, writes the bank's guidance on AI-powered scams and deepfakes, and commercial payments head Tammy Trilli has said FNBO avoids 'innovations solely for their novelty' in favour of partnerships that solve customer problems.[1][7][5]
What AI partnerships and patents does FNBO have?
FNBO's AI record runs through vendors rather than its own research: Nasdaq Verafin (financial-crime agents on AWS Bedrock), Pindrop (Fraud Assist), Prove (identity verification for co-branded cards), Upstart (AI personal loans) and Amazon Web Services for partner reporting. No frontier-lab, GPU or large-language-model supplier is public. A Google Patents search by the assignee names First National Bank of Omaha and First National of Nebraska found one published application, a 2014 remote credit issuance system that is not AI-related and is listed as abandoned. No AI patent is public, though filings under other entity names would not appear in that search.[1][9][17][18][21][26]
| Item | What it is | Status | Date |
|---|---|---|---|
| Nasdaq Verafin | Agentic EDD Analyst and Agentic Sanctions Analyst, built on AWS Bedrock | In production | 2026-06-24[1] |
| Pindrop | Protect call-fraud platform plus the Fraud Assist generative-AI add-on; FNBO among the first customers | In production | 2026-03-17[9] |
| Prove | Pre-Fill identity verification for co-branded card onboarding | In production | 2025-08-27[17] |
| Upstart | AI lending platform for personal loans; pilot 2019, nationwide programme 2021 | Expanded; current status not public | 2021-12-08[18] |
| Amazon Web Services | QuickSight dashboards on a Snowflake warehouse hosted on AWS; Amazon Q in QuickSight named as a later option, per AWS guest post | In production | 2024-12-09[21] |
| dhango | Embedded-payments middleware; FNBO is the originating bank (payments, not AI) | Announced | 2026-01-27[19] |
| MediStreams | Healthcare remittance conversion and payment posting (payments, not described as AI) | Announced | 2026-04-20[20] |
| US 2014/0304170 A1 | Remote credit issuance system, filed by First National of Nebraska, Inc. (not AI; Google Patents lists it as abandoned) | Published application | 2014-10-09[26] |
What has FNBO done on AI, and when?
- Oct 1, 2026
Blue Ridge acquisition closes[24]
Eight Jackson County branches and about $850 million of assets; rebranding and customer conversion planned for early 2027, giving FNBO 37 Kansas City branches.
- Sep 2, 2026
InBank deal valued at up to $204 million[22]
$1.4 billion-asset Denver bank with nine Colorado branches and four in northern New Mexico; brings FNBO to 30 Colorado branches.
- Sep 2, 2026
InBankshares acquisition for about $200 million[4]
Denver, Colorado Springs and Pueblo; regulatory approval expected by end-2026, rebranding and customer conversion in the second half of 2027.
- Jun 24, 2026
Agents run under human-equivalent access controls[1]
FNBO has 15 financial-crime investigators and analysts; an enhanced-due-diligence case of about 30 minutes now takes about 15; Baxter says the bank started with jobs that were easy to explain.
- Jun 24, 2026
AI agents cut financial-crime investigation time by 50%[1]
Nasdaq Verafin agents for EDD and sanctions triage, on AWS Bedrock.
- Jun 8, 2026
Guide to AI scams and deepfakes[8]
Weeks on protecting individuals and businesses from synthetic media.
- Jun 2, 2026
Blue Ridge Bancshares deal adds to Kansas City build-out[3]
$882 million-asset bank in Independence, Missouri.
- Apr 20, 2026
MediStreams healthcare payment automation agreement[20]
Remittance conversion and automated payment posting for FNBO healthcare clients (the release does not call it AI).
- Mar 18, 2026
2025 results: card charge-offs fall to 4.92%[10]
Record revenue of $2.7 billion; principal charge-off rate on credit cards down from 5.52%; letter credits improved underwriting capabilities, technology and processes.
- Mar 18, 2026
Chairman's 2025 letter: AI now routine[10]
Record $533 million net income; AI cited as something the bank does routinely.
- Mar 17, 2026
Pindrop Fraud Assist agent cuts fraud-case time 35–40%[9]
FNBO among the first customers; analyst accuracy +50%, case productivity +42% without new headcount.
- Feb 11, 2026
CISO on AI as a double-edged sword[13]
Defensive AI speeds detection; governance, transparency and red-teaming needed to manage its risks.
- Jan 27, 2026
dhango embedded-payments partnership[19]
FNBO acts as originating bank for ACH, check and card payments on dhango middleware, which carries automated KYC/AML and merchant vetting (payments, not an AI deployment).
- Dec 18, 2025
Banking head: 'a lot of work' exploring AI[12]
David Cota says solutions must make employees, customer interactions and community value better.
- Sep 24, 2025
Chief credit officer profiled[16]
Kobjerowski leads a 230-member credit team over a $23 billion loan book and has guided three underwriting strategies tied to economic scenarios.
- Sep 23, 2025
Survey: 46% of Americans use AI for personal finances[6]
A further 50% trust AI for financial advice; 60% confident in their long-term plan.
- Sep 11, 2025
- Aug 27, 2025
Prove Pre-Fill added to co-branded card onboarding[17]
Identity verification by device possession, reputation flags and ownership; Brianne Stephan calls Prove an essential technology partner for growing the co-branded card portfolio.
- Jul 8, 2025
CISO guidance on AI-powered scams[7]
AI makes cybercriminals' lives easier too; verification habits recommended.
- May 2, 2025
Country Club Bank acquisition announced[2]
$2.2 billion-asset Kansas City bank; two family-owned banks combine.
- Apr 3, 2025
Commercial payments head on partnerships over novelty[5]
Trilli on the allure of APIs and AI and on aligning key performance indicators with partners.
- Jan 22, 2025
VP Product joins PYMNTS session on generative AI[25]
Cory Mann spoke on what payments and banking need from generative-AI companies.
- Dec 9, 2024
Partner reporting moves to Amazon QuickSight on Snowflake[21]
About 600 reporting objects consolidated into about 60 dashboards for more than 90 card partners; over 90,000 users managed with row-level security; Amazon Q in QuickSight named as a later option.
- Dec 8, 2021
Upstart AI lending expanded nationwide[18]
Pilot results met or exceeded expectations with a Net Promoter Score of 83; 78% of loans approved instantly; FNBO planned to use the platform for affinity partners.
- Oct 21, 2019
Upstart AI lending pilot nears completion; OCC briefed[11]
Pilot begun in July lent tens of millions of dollars; FICO and debt-to-income kept in the model; OCC and examiners briefed.
Where does FNBO use AI today?
| System | What it does | Status | Use case |
|---|---|---|---|
| Agentic alert triage and enhanced due diligence[1] | AI agents gather evidence on AML, fraud and sanctions alerts; investigators decide on SARs. | In production | AML / KYC |
| Sanctions-screening agent[1] | Context and transaction history assembled for OFAC list matches. | In production | AML / KYC |
| Pindrop Fraud Assist for card-fraud investigations[9] | Agentic AI translates and summarises phone calls and generates case documentation for fraud analysts; Pindrop reports 35–40% less investigation time. | In production | Fraud detection |
| Upstart AI consumer-lending pilot[11] | AI-based lending software tested to expand access to credit, with the bank's normal credit policies (FICO, debt-to-income) embedded. | Pilot | Credit scoring & underwriting |
| AI-scam and deepfake awareness[7][8][13] | CISO-authored guidance for consumers and businesses. | In production | Fraud detection |
| Partnership-led innovation in commercial payments[5] | Third-party solutions selected against customer needs and shared KPIs. | In production | Third-party & vendor AI |
| Upstart AI personal loans (nationwide expansion)[18] | Personal loans originated through Upstart's AI lending platform, with 78% approved instantly as of December 2021; the bank said it would extend the platform to affinity partners. Whether it still runs in 2026 is not public. | Rolling out | Credit scoring & underwriting |
| Prove Pre-Fill identity verification for co-branded cards[17] | Identity verification at application for the co-branded card portfolio, aimed at faster onboarding and lower fraud. | In production | Fraud detection |
| Scoped access and staged adoption for vendor AI agents[1] | Agents hold the same access privileges a human would in the Verafin system, run on jobs that are easy to explain, and leave final decisions to investigators. | In production | Model risk management |
| dhango embedded payments as originating bank[19] | FNBO is the originating depository institution for SaaS platforms using dhango, whose middleware handles merchant vetting and KYC/AML; the release cites FNBO's 20 years of experience serving third-party senders. | Announced | Third-party & vendor AI |
| MediStreams payment and remittance automation for healthcare clients[20] | Remittance conversion and automated payment posting added to FNBO healthcare banking; the release does not describe it as AI. | Announced | Third-party & vendor AI |
| Partner dashboards with row-level security[21] | Amazon QuickSight dashboards on a Snowflake warehouse let each of more than 90,000 users see only their own partner data; about 600 reports became about 60 dashboards. | In production | Data & privacy |
Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.
Which AI vendors and fintechs does FNBO work with?
| Company | What FNBO uses it for | Status | Category |
|---|---|---|---|
| Pindrop | Contact-center fraud detection and passive authentication (Pindrop Protect and Passport) for more than five years, Pulse deepfake detection (beta user before the February 2024 launch) and Fraud Assist for fraud-case investigations (one of its first customers, March 2026). | In production | Fraud detection |
| Amazon Bedrock (AWS) | Nasdaq Verafin's enhanced-due-diligence and sanctions-screening AI agents, developed on AWS Bedrock, cut financial-crime investigation time per case by 50%, per the bank. | In production | Enterprise AI assistants |
| Upstart | Upstart AI consumer-lending pilot, with the bank's credit policies embedded (2019) | Pilot | Fintech · BNPL & lending |
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 FNBO disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Investigator time per financial-crime case | −50% with AI agents[1] | Jun 24, 2026 |
| Americans who have used AI for personal finances | 46% (a further 50% trust AI for financial advice)[6] | Sep 23, 2025 |
| InBankshares acquisition | ≈ $200 million cash[4] | Sep 2, 2026 |
| Country Club Bank assets | $2.2 billion[2] | May 2, 2025 |
| Blue Ridge Bancshares assets | $882 million[3] | Jun 2, 2026 |
| Fraud-case investigation with Pindrop Fraud Assist (vendor-reported) | Time −35–40%; analyst accuracy +50%; case productivity +42%[9] | Mar 17, 2026 |
| First National of Nebraska 2025 net income | $533 million (record); total assets $34.9 billion[10] | Dec 31, 2025 |
| Time to complete an enhanced-due-diligence case | About 30 minutes before, about 15 now (investigator estimate)[1] | Jun 24, 2026 |
| Financial-crime investigators and analysts | 15[1] | Jun 24, 2026 |
| Principal charge-off rate, credit cards | 4.92% in 2025 (5.52% in 2024)[10] | Dec 31, 2025 |
| Group revenue and expenses, 2025 | Revenue $2.7 billion (+11%); expenses $1.45 billion (+9%)[10] | Dec 31, 2025 |
| Upstart pilot results and nationwide approvals | Net Promoter Score 83; 78% of loans approved instantly[18] | Dec 8, 2021 |
| Partner reporting estate | About 600 reporting objects to about 60 dashboards; 90,000+ users; 90+ card partners[21] | Dec 9, 2024 |
| Credit team and loan book | 230 people; $23 billion of loans ($12.5 billion consumer, $10.5 billion commercial)[16] | Sep 24, 2025 |
| InBankshares deal | Up to $204 million; $1.4 billion of assets[22] | Sep 2, 2026 |
| Blue Ridge closing | About $850 million of assets; 37 Kansas City branches after conversion in early 2027[24][23] | Oct 1, 2026 |
“The consistent challenges of financial crimes means you're always looking for a better way to solve the problems.”[1]
Nick Baxter · Chief Risk Officer · Jun 24, 2026
“From the very start, it was clear we shared a cultural alignment and a meeting of the minds about what is good banking.”[4]
Clark Lauritzen · Chairman and President · Sep 2, 2026
“The ability to leverage generative AI to translate and summarize phone calls and get deeper fraud insights has helped our team resolve cases faster and more accurately.”[9]
Steve Furlong · Director of Fraud Management · Mar 17, 2026
“We could not have had the vision to imagine just five years ago some of the things that we do routinely today, such as artificial intelligence.”[10]
Clark D. Lauritzen · Chairman and President · Mar 18, 2026
“Today we're starting on step three, and it's exciting to have incremental progress through this type of innovation on those existing embedded processes.”[1]
David Dawson · BSA/AML Officer · Jun 24, 2026
“You start simple, you build up confidence, you validate your ability to monitor and manage these agents.”[1]
Nick Baxter · Chief Risk Officer · Jun 24, 2026
“AI is an amplifier, for good or bad.”[13]
Jeff Weeks · SVP and Chief Information Security Officer · Feb 11, 2026
“Our team has made great strides improving our credit underwriting capabilities, technology, and processes, and we saw gains from these efforts in 2025.”[10]
Clark D. Lauritzen · Chairman and President · Mar 18, 2026
“We are expanding our program with Upstart so that more people nationwide can get personal loans they need with higher approval rates through a modern all-digital experience enabled by AI.”[18]
Marc Butterfield · SVP, Innovation and Disruption (2021) · Dec 8, 2021
Who runs AI at FNBO?
Nick BaxterLinkedIn ↗
Chief Risk Officer[1]
Jeff WeeksLinkedIn ↗
Tammy Trilli
SVP, Commercial Payments Organization[5]
Matthew S. SpyersLinkedIn ↗
EVP and Chief Information Officer[10]
Steve FurlongLinkedIn ↗
Director of Fraud Management[9]
Erin Saxby
Vice President, Technology Data Services (leads technology data teams and the generative-AI strategy)[14][15]
David Dawson
BSA/AML Officer (spokesperson on the Nasdaq Verafin agents)[1]
Cory Mann
VP Product (spoke on generative AI in payments, January 2025)[25]
Marc Butterfield
SVP, Innovation and Disruption (title as of December 2021; fronted the Upstart AI-lending expansion)[18]
Which regulators govern FNBO's AI?
| Authority | Why it matters here | Documents |
|---|---|---|
| OCC | FNBO is a national bank; vendor AI agents in AML and sanctions triage fall under OCC model-risk and third-party expectations and its gen-AI risk perspective. | OCC Bulletin 2026-13 OCC Semiannual Risk Perspective, Spring 2026 |
| FinCEN | Agent-assisted SAR decisions and sanctions screening sit inside BSA/AML obligations and FinCEN's AML innovation guidance. | 2018 Joint Statement on BSA/AML Innovation |
| Federal Reserve | Holding-company oversight of third-party model risk for the Nasdaq Verafin agents. | SR 23-4 SR 11-7 |
| CFPB | Consumer card and deposit products bring UDAAP duties to any AI in servicing or fraud decisions. | 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 FNBO's AI strategy?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.
01
Vendor agents are the fastest route for a bank this size
Adopting agents inside an existing AML platform avoided a build and a new vendor review; the trade is dependence on the vendor's model choices, which AWS Bedrock's model-agnostic design partly mitigates.
02
Fifty percent is a headcount question examiners will ask
The bank frames the gain as consistency and capacity; documenting that SAR quality held or improved is what turns a time saving into a defensible control.
03
Three integrations will test the AML stack
Country Club, Blue Ridge and InBankshares each bring alert volumes and data onto Verafin; the agents' value rises with volume, but so does the model-risk exposure.
04
The security voice is a differentiator for a private bank
A CISO writing plainly about AI scams gives customers a reason to trust the bank's own AI, which most private banks never discuss.
Where does the FNBO record go deeper?
4 topic pages under this profile, each answering one question from the same sourced record.
Which leader rankings does FNBO appear in?
3 of the computed leaders rankings include FNBO, each ranked from the same sourced bank pages.
How does FNBO compare with its peers?
- How does First National Bank of Omaha (FNBO) compare with its peers on AI and technology?
- First National Bank of Omaha (FNBO) competitors and alternatives, by business line
Its peer group on this site, by business model and size:
Who leads AI at FNBO?
No chief AI officer is named in the public record. Erin Saxby, vice president of technology data services, leads the technology data teams and spearheads the generative-AI strategy. Matthew Spyers, executive vice president and chief information officer, heads technology in the 2025 executive-officer list. Chief risk officer Nick Baxter and BSA/AML officer David Dawson speak for the Nasdaq Verafin agents in financial crime, and fraud-management director Steve Furlong for the Pindrop Fraud Assist rollout. Jeff Weeks, chief information security officer, writes the bank's AI-risk guidance, and Mihaela Kobjerowski runs credit risk.
How does FNBO use AI?
FNBO uses AI agents from Nasdaq Verafin, built on AWS Bedrock, to do the first-level work on anti-money-laundering, fraud and sanctions alerts: gathering transaction history and context so investigators can decide whether to file a suspicious activity report. Executives said in June 2026 the agents cut investigator time per case by 50% while humans keep the final judgment.
Who owns First National Bank of Omaha?
FNBO is privately held through First National of Nebraska and the Lauritzen family; Clark Lauritzen is chairman and president. It is a national bank supervised by the OCC and one of the largest privately owned banks in the United States.
Does FNBO use AI to approve loans?
FNBO piloted Upstart's AI lending platform for personal loans in 2019, then expanded it nationwide in December 2021, when 78% of loans were approved instantly and the pilot's Net Promoter Score was 83. Marc Butterfield, then senior vice president of innovation and disruption, said the bank would also use it for affinity partners. Whether the programme still runs in 2026 is not public. Chief credit officer Mihaela Kobjerowski leads a 230-person credit team and three scenario-based underwriting strategies; FNBO has not described AI in card underwriting.
Which technology vendors does FNBO use for AI?
The named vendors are Nasdaq Verafin (enhanced-due-diligence and sanctions agents built on AWS Bedrock), Pindrop (Protect call-fraud platform with the Fraud Assist generative-AI add-on), Prove (Pre-Fill identity verification for co-branded card onboarding, August 2025), Upstart (AI personal loans) and Amazon Web Services (QuickSight dashboards on a Snowflake warehouse). FNBO has not named a large-language-model supplier, a hyperscaler contract or a GPU vendor for its internal generative-AI work.
- How FNBO uses agentic AI to investigate financial crime
- Deal would give Nebraska's FNBO a leg up in Kansas City
- FNBO's latest deal adds to its Kansas City buildout
- No pause button: Omaha bank inks second M&A deal since June
- How FNBO Is Driving Innovation Through Strategic Partnerships
- Nearly Half of Americans Are Using AI To Help With Their Finances (2025 Financial Wellbeing Study)
- AI-Powered Scams Target Consumers
- How to Protect Yourself and Your Business from AI Scams and Deepfakes
- Pindrop Unveils First Agentic Fraud Investigation Solution to Combat Surging AI-Driven Fraud
- 2025 Financial Summary
- The banks warming to AI-based lending
- Episode 2: 168 Years Strong
- AI in Cybersecurity: The Double-Edged Sword
- Erin Saxby (OMA x AI speaker profile)
- NEW: OMA x AI Conference Keynote Speakers, Breakout Presenters Announced
- The Most Powerful Women to Watch, No. 20, Mihaela Kobjerowski, FNBO
- Prove Partners with FNBO to Modernize Onboarding Experience
- First National Bank of Omaha Expands Personal Loans Powered by Upstart
- dhango Partners with FNBO to Bring Fast, Scalable Embedded Payments to SaaS Platforms
- MediStreams to Enhance Healthcare Payment Automation and Reconciliation With FNBO
- How FNBO revolutionized partner reporting with Amazon QuickSight
- FNBO to acquire Colorado bank in $204M deal
- FNBO to Acquire Blue Ridge Bank and Trust Co. in Missouri
- FNBO Closes Acquisition of Blue Ridge Bank and Trust Co. in Kansas City
- What's Next In Payments: Memo To The GenAI Companies - FNBO
- US 2014/0304170 A1: Remote credit issuance system
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