Fulton Financial Corporation:
the AI strategy, sourced.

Last updated Oct 25, 2026 · 26 dated moves · 34 sources · open AI roles as of Oct 25, 2026

A $34 billion Mid-Atlantic community-banking group that converted a struggling New Jersey acquisition onto its platforms about three months after closing, uses vendor AI in its contact centre (call summarisation, NICE generative-AI agent assist and self-service), put Salesforce Agentforce agents in front of 3,000 employees within six weeks of starting, talks to customers about AI in investing and budgeting, and has produced a head of AI for a peer bank rather than for itself.

How is Fulton using AI?

Fulton Financial, the Lancaster, Pennsylvania parent of Fulton Bank with about $34 billion of assets and more than 215 financial centres across the Mid-Atlantic, has not named an AI budget or a head of AI; the AI on its record is vendor AI, in the contact centre and, since 2026, Salesforce Agentforce agents used by 3,000 employees, alongside a technology agenda dominated by an acquisition integration. It agreed in November 2025 to pay $243 million in stock for Blue Foundry Bancorp, a money-losing Northern New Jersey bank, received approvals in February, closed in the second quarter and merged Blue Foundry Bank into Fulton Bank on 11 July 2026 with the conversion of its systems onto Fulton's platforms, a schedule chairman, CEO and president Curt Myers said left the bank 'well positioned to deepen existing relationships and drive growth in this expanded footprint'. Second-quarter 2026 net income to common was $99.9 million, or $0.52 per share, in a quarter Myers described as one of 'record financial results'. The AI that is visible is operational. In November 2024 contact-centre director Russell Trezise told American Banker that an AI tool now listens to and summarises calls, sparing agents 'three to five minutes typing things up' after each one, and in December 2024 NICE announced that Fulton had selected CXone Copilot, Autopilot and Expert for generative-AI agent assist and self-service built on Fulton's own knowledge articles. Its welcome page for Blue Foundry customers connects to an AI chatbot, with a notice that it 'may not always have the right answer'. Technology is run by Kevin Gremer, chief operations and technology officer since August 2025 (hired from City National Bank after his predecessor Karthik Sridharan left in January 2025), with Angela Sargent chief information officer since 2013. At Dreamforce in September 2026 Salesforce said Fulton went from first hearing about Agentforce to a first agent in one hour and to 3,000 employees using it six weeks later, starting with Hunter, a prebuilt outbound sales agent aimed at $340,000 of at-risk pipeline. The 2025 10-K names 'artificial intelligence, machine learning and automated decision making' among new technologies that may have unintended consequences, while its second-quarter 2026 earnings release, call and 10-Q make no mention of AI. For customers, the bank publishes AI education: its private-bank article on AI's impact on investing describes advisers exploring 'market research, portfolio optimization, and risk management' with newer AI tools while warning of the risks, and an education-centre guide explains how consumers can use AI budgeting apps. Its 2025 sustainability metrics describe a cybersecurity risk programme under the chief information security officer without mentioning AI, but the 2025 corporate social responsibility report, published in June 2026, says Fulton is exploring machine learning, generative AI and large language models, and that supplier due diligence covers the use of AI. Another AI link is a person: Nickolaus Lachman, now head of AI and data science at Valley Bank, previously ran Fulton's customer-analytics team. Fulton Bank is a national bank supervised by the OCC, whose 2026 model-risk bulletin and generative-AI risk perspective would govern any future deployment. Treat this as a light record for a bank whose 2026 was defined by the Blue Foundry integration: the AI in view is vendor-supplied and operational, with no stated AI strategy or spend and no AI results in its filings or earnings calls.

Lead bank

Fulton Bank, N.A.

Assets (lead bank, Jun 30, 2026)

$33 billion

Charter

National bank (OCC)

Headquarters

Lancaster, PA

AI leadership

Curt Myers · Kevin Gremer · Karthik Sridharan · Angela Sargent · Atul Malhotra · Scott Snyder · Krystal Davis-Drulik · Russell Trezise

  • No named head of AI or AI spend; AI in use is vendor-supplied: contact-centre call summarisation (saving agents three to five minutes a call, 2024), NICE CXone Copilot/Autopilot generative-AI agent assist and self-service (selected December 2024) and Salesforce Agentforce agents (3,000 employees by September 2026).
  • Salesforce said Fulton went from first hearing about Agentforce to setting up its first agent in one hour, rolled it out to power users within a week and had 3,000 employees using it six weeks later; the first agent, Hunter, is a prebuilt outbound sales agent that was pointed at $340,000 of at-risk pipeline (Dreamforce, September 2026).
  • Angela Sargent has been chief information officer since 2013 and Kevin Gremer chief operations and technology officer since August 2025; the 2026 proxy statement lists both as executive officers, and no chief AI or chief data officer appears in its list.
  • The AI risk-factor sentence is the same in the FY2024 and FY2025 10-Ks. The 10-Qs for the second and third quarters of 2025 and the first and second of 2026 contain no AI wording, and neither do the earnings-call transcripts from the third quarter of 2025 to the second quarter of 2026.
  • The 2025 CSR report (June 2026) says Fulton is 'exploring' machine learning, generative AI, deep learning, large language models and neural networks, introduced machine-learning analytics for small-business banking in 2025, runs a Fulton Innovation Institute with nine universities, and expanded a pilot with Palqee Prisma, an AI policy-assurance start-up it mentored in the 2025 FinTech Innovation Lab.
  • Core and payments technology comes from Fiserv: an outsourced banking platform chosen in 2011, an agreement dated 2016 amended in 2021, and CashFlow Central for small businesses from 7 October 2026.
  • Scott Snyder, a director since 2016 and former chief digital officer at EVERSANA, is credited in the proxy with experience in 'digital and artificial intelligence strategy and implementation'; he is vice-chair of the board Risk Committee.
  • Technology leadership: Kevin Gremer, chief operations and technology officer since August 2025 (ex-City National Bank, Capital One); predecessor Karthik Sridharan left in January 2025.
  • Filings: the 2025 10-K flags AI, machine learning and automated decision-making as operational risks; no AI mention in the Q2 2026 earnings release. In the Blue Foundry merger agreement, the target represented that it used no AI or machine learning.
  • Customer-facing AI content: education on AI in investing and budgeting, plus an AI chatbot on the Blue Foundry customers' welcome page.
  • Blue Foundry Bancorp: $243 million stock deal for a money-losing Northern New Jersey bank (announced November 2025), closed 1 April 2026, bank merged and systems converted by 11 July 2026.
  • Q2 2026, which the CEO called 'record financial results': net income to common of $99.9 million ($0.52 per share); six-month net income to common $192.1 million.
  • Cybersecurity governance sits under the CISO, who reports to the board Risk Committee (2025 sustainability metrics). The 2025 CSR report says supplier due diligence covers 'ethics and use of AI' and that AI is used with human oversight; it describes no AI-specific committee or policy.
  • Talent export: Valley Bank's head of AI and data science previously led Fulton's customer-analytics team.
  • Accessibility investment: direct customer service in American Sign Language via 360 Direct Access (March 2025).

What AI partnerships and patents does Fulton have?

Fulton's public AI record names three vendors: Salesforce (Agentforce agents, 3,000 employees), NICE (CXone Copilot, Autopilot and Expert in the contact centre) and Fiserv (core banking and payments, not AI). It has mentored an AI policy-assurance start-up, Palqee Prisma, and expanded a pilot with it, and runs a Fulton Innovation Institute with nine universities. Its only patent record is a 2019 published application on threshold-based record adjustment that was abandoned and makes no AI claim. No AI lab, cloud or GPU partner, capex figure or AI patent is public.[19][10][28][29][15][20][34]

ItemWhat it isStatusDate
Salesforce AgentforceAgent platform; Hunter outbound sales agent, 3,000 employees within six weeksIn production2026-09-24[19]
NICE CXone Copilot, Autopilot, ExpertGenerative-AI agent assist, self-service and knowledge base; chat channel and auto summary addedIn production2024-12-11[10][28]
FiservOutsourced banking platform from 2011, agreement dated 2016 and amended 2021; CashFlow Central payments hub for small businessesIn production2026-10-07[29][15][30]
Palqee PrismaAI-driven policy-assurance platform overseeing AI and human decision workflows; expanded pilotPilot2026-06-15[20]
WellthiGenerative-AI and social tool for customer acquisition and retention; mentored in the 2025 FinTech Innovation Lab, no deployment statedMentorship only2026-06-15[20]
Fulton Innovation InstitutePartnerships with nine universities for research, talent and student projectsActive2026-06-15[20]
US 2019/0286854 A1Record parameter automatic adjusting machines and methods (threshold-based; no AI in the abstract)Abandoned application2019-09-19[34]

What has Fulton done on AI, and when?

Fulton's dated AI moves by year2023Jun 12Chief operations and technology…2024Apr 26Republic First Bank assets acqu…Nov 20AI summarises contact-centre ca…Dec 11NICE CXone Copilot, Autopilot a…2025Jan 31Technology chief departsFeb 28FY2024 10-K carries the AI risk…Mar 10Customer service in American Si…Jun 102024 Corporate Social Responsib…Jul 23Kevin Gremer named chief operat…Nov 24Blue Foundry Bancorp acquisitio…Nov 25Merger agreement: Blue Foundry…2026Jan 22Q4 2025 call: record 2025 opera…Feb 23Regulatory approvals for Blue F…Feb 272025 10-K: AI as a technology r…Mar 272025 sustainability metrics: cy…Apr 01Blue Foundry acquisition closesApr 012026 proxy lists the technology…Apr 15Former analytics lead profiled…Apr 23Q1 2026 call: operating earning…Jun 152025 CSR report: AI exploration…Jul 11Blue Foundry Bank merged and co…Jul 22Second-quarter 2026 resultsJul 23Q2 2026 call: Blue Foundry conv…Aug 07Q2 2026 10-Q has no AI wordingSep 24Salesforce cites Fulton's Agent…Sep 30Contact-centre manager describe…
Figure 1 · Fulton's AI moves by year, from the timeline below. Filled boxes are the current year. Every entry cites its source in the list at the end of the page.
  • Sep 30, 2026

    Contact-centre manager describes Fulton's AI journey with NICE[28]

    Fulton services more than 3 million customer interactions a year; Expert and Copilot auto summary support agents, and chat is a new channel for customers.

  • Sep 24, 2026

    Salesforce cites Fulton's Agentforce rollout at Dreamforce[19]

    First agent set up in one hour after first hearing of Agentforce, power users within a week, 3,000 employees six weeks later; the Hunter outbound sales agent targeted $340,000 of at-risk pipeline.

  • Aug 7, 2026

    Q2 2026 10-Q has no AI wording[24][23]

    Neither this 10-Q nor the first-quarter filing of 8 May mentions artificial intelligence or machine learning.

  • Jul 23, 2026

    Q2 2026 call: Blue Foundry conversion complete, no AI discussion[27]

    The CFO says the 11 July system conversion 'was completed successfully' and the bank is focused on 'realizing anticipated cost savings and operational efficiencies'; 2026 operating expense guidance is narrowed to $810 million to $830 million.

  • Jul 22, 2026

    Second-quarter 2026 results[18]

    Net income to common $99.9 million; $0.52 per share; the CEO cites 'record financial results'.

  • Jul 11, 2026

    Blue Foundry Bank merged and converted onto Fulton platforms[8]

    Customers gain access to 215-plus financial centres and digital platforms.

  • Jun 15, 2026

    2025 CSR report: AI exploration, Innovation Institute and Palqee pilot[20]

    Fulton says it is exploring machine learning, generative AI and large language models, works with nine universities through the Fulton Innovation Institute, and expanded a pilot with Palqee Prisma after the 2025 FinTech Innovation Lab.

  • Apr 23, 2026

    Q1 2026 call: operating earnings $0.55 a share, no AI discussion[26]

    Operating return on average assets 1.30% and on tangible common equity 14.76%; the transcript has no reference to AI.

  • Apr 15, 2026

    Former analytics lead profiled as Valley Bank's head of AI[17]

    Nickolaus Lachman, who managed Fulton's customer-analytics team, now leads AI and data science at Valley.

  • Apr 1, 2026

    2026 proxy lists the technology, information and risk executives[21]

    Angela Sargent (CIO since 2013), Kevin Gremer (COTO) and Atul Malhotra (CRO) are executive officers; director Scott Snyder is credited with digital and AI strategy experience.

  • Apr 1, 2026

    Blue Foundry acquisition closes[32]

    Fulton becomes a $34 billion company; Blue Foundry Bank stays a separate subsidiary until the summer systems conversion.

  • Mar 27, 2026

    2025 sustainability metrics: cyber programme under the CISO[7]

    Risk practices 'streamlined for speed and agility'; no AI reference.

  • Feb 27, 2026

    2025 10-K: AI as a technology risk[15]

    AI, machine learning and automated decision-making 'may have unintended consequences due to their limitations or our failure to use them effectively'; larger rivals out-invest on technology.

  • Feb 23, 2026

    Regulatory approvals for Blue Foundry[6]

    Closing date set for the second quarter.

  • Jan 22, 2026

    Q4 2025 call: record 2025 operating earnings, no AI discussion[25]

    Operating earnings per share of $2.16 are a record; management cites deposit growth of $449 million and new team members added to support loan growth, and the transcript contains no reference to AI.

  • Nov 25, 2025

    Merger agreement: Blue Foundry uses no AI[14]

    The target represents that neither it nor its subsidiaries use or have developed AI, machine learning or deep-learning tools.

  • Nov 24, 2025

    Blue Foundry Bancorp acquisition announced[1]

    $243 million in stock for a struggling Northern New Jersey bank.

  • Jul 23, 2025

    Kevin Gremer named chief operations and technology officer[13]

    Joins on 25 August from City National Bank, after more than 20 years at Capital One; reports to the CEO.

  • Jun 10, 2025

    2024 Corporate Social Responsibility report[3]

    'From Values to Value'.

  • Mar 10, 2025

    Customer service in American Sign Language[2]

    Video access to signing representatives through 360 Direct Access.

  • Feb 28, 2025

    FY2024 10-K carries the AI risk-factor wording[22]

    The same sentence on AI, machine learning and automated decision making appears a year before the FY2025 10-K repeats it.

  • Jan 31, 2025

    Technology chief departs[12]

    Sridharan leaves; the 8-K treats it as a termination without cause.

  • Dec 11, 2024

    NICE CXone Copilot, Autopilot and Expert selected[10]

    Generative-AI agent assist trained on Fulton's knowledge articles, omnichannel self-service and a consolidated knowledge base.

  • Nov 20, 2024

    AI summarises contact-centre calls[9]

    An AI tool listens to calls and writes the summary agents used to type, saving three to five minutes per call in a 100-person contact centre.

  • Apr 26, 2024

    Republic First Bank assets acquired from the FDIC[31]

    Fulton Bank takes about $6 billion of assets, including $2.9 billion of loans, and about $4 billion of deposits, almost doubling its Philadelphia presence to about $8.6 billion of deposits; the CEO says Fulton is 'excited to double our presence across the region'.

  • Jun 12, 2023

    Chief operations and technology officer hired[11]

    Karthik Sridharan, previously CIO at OceanFirst and a Citigroup CTO, joins to lead IT and operations; the CEO says he is 'the right person to take our digital capabilities to the next level'.

Where does Fulton use AI today?

Fulton's AI systems on the status ladder from announced to in productionANNOUNCEDPILOTROLLING OUTIN PRODUCTIONBlue Foundry systems conversionCybersecurity risk programmeCustomer education on AI toolsAI call summarisation in the contact centreNICE CXone Copilot and AutopilotAI chatbot on the Blue Foundry welcome pageSalesforce Agentforce agents for employeesNICE Expert knowledge base, Copilot auto su…Customer education on AI-enabled scamsAI in supplier due diligencePalqee Prisma AI policy-assurance pilotAI risk-factor disclosure
Figure 2 · Where AI runs at Fulton, and how far along. 10 of 12 named systems are in production; the rest are rolling out, piloted or announced. Status is as described in the cited source at its date.
SystemWhat it doesStatusUse case
Blue Foundry systems conversion[8]Acquired bank's systems converted onto Fulton's platforms with the 11 July 2026 bank merger, about three months after the 1 April acquisition closed.In productionThird-party & vendor AI
Cybersecurity risk programme[7]Identification, measurement and monitoring of cyber risk under the CISO.In productionCybersecurity
Customer education on AI tools[4][5]AI in investing (private bank) and AI budgeting apps (education centre).In productionAI governance (general)
AI call summarisation in the contact centre[9]The tool listens to calls and summarises them, a task agents formerly did by hand.In productionGenerative & agentic AI
NICE CXone Copilot and Autopilot[10]Generative-AI next-best actions for agents, trained on Fulton's knowledge articles, plus omnichannel self-service (Autopilot) and knowledge management (Expert).AnnouncedCustomer-facing chatbots
AI chatbot on the Blue Foundry welcome page[16]The transition page for former Blue Foundry customers connects to an AI chatbot; the bank warns it may not always have the right answer.In productionCustomer-facing chatbots
Salesforce Agentforce agents for employees[19]First agent set up in an hour and used by 3,000 employees six weeks later; Hunter, a prebuilt outbound sales agent, was pointed at $340,000 of at-risk pipeline and drafts outreach in the seller's own voice through Gmail.In productionGenerative & agentic AI
NICE Expert knowledge base, Copilot auto summary and chat channel[28]Journey summaries, transfer summaries and auto summary for agents over a consolidated knowledge base, and chat added for customers for the first time, across more than 3 million interactions a year.In productionCustomer-facing chatbots
Customer education on AI-enabled scams[33]A bank article explains how AI-generated websites, reviews and videos are used in online retail fraud; it describes scams, not a Fulton detection model.In productionFraud detection
AI in supplier due diligence[20]Suppliers are tiered by criticality and data sensitivity and put through due diligence covering financial, cyber and privacy, resilience, ethics and use of AI, with human oversight of any AI use.In productionThird-party & vendor AI
Palqee Prisma AI policy-assurance pilot[20]An AI-driven platform that oversees AI and human decision workflows; Fulton mentored it in the 2025 FinTech Innovation Lab and expanded a pilot.PilotAI governance (general)
AI risk-factor disclosure[15]The 10-K names AI, machine learning and automated decision-making as new technologies that may have unintended consequences, within the technology-change risk factor.In productionModel risk management

Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.

What has Fulton disclosed in numbers?

MetricValueAs of
Second-quarter 2026 net income to common / EPS$99.9 million / $0.52[18]Jul 22, 2026
Blue Foundry acquisition$243 million in stock[1]Nov 24, 2025
Financial centres> 215[8]Jul 13, 2026
Total assets≈ $34 billion[8]Jul 13, 2026
Agent time saved per call by AI summarisation3–5 minutes[9]Nov 20, 2024
Contact-centre staff≈ 100[9]Nov 20, 2024
Employees using Agentforce six weeks after the first agent3,000[19]Sep 24, 2026
Time from first hearing about Agentforce to first agent1 hour (power users within a week)[19]Sep 24, 2026
At-risk pipeline the Hunter agent was aimed at$340,000[19]Sep 24, 2026
Customer interactions serviced a year (contact centre, sales, treasury management, back office)> 3 million[28]Sep 30, 2026
University partners in the Fulton Innovation Institute9[20]Jun 15, 2026
2026 operating non-interest expense guidance$810 million to $830 million[27]Jul 23, 2026
Q2 2026 acquisition-related expenses excluded from operating results$13.8 million[27]Jul 23, 2026

“By combining our strengths, we are better positioned to serve our customers, support our communities, and drive long-term growth in New Jersey.”[8]

Curt Myers · Chairman, CEO and President · Jul 13, 2026

“Our customer care agent can move on to the next call without having to spend three to five minutes typing things up. That's been a huge improvement to our productivity.”[9]

Russell Trezise · Contact Center Director · Nov 20, 2024

“For this role, we were looking for a strategic and innovative leader with a proven track-record of elevating operations and technology.”[13]

Curt Myers · Chairman and CEO · Jul 23, 2025

“the Blue Foundry system conversion was completed successfully on July 11, and we remain focused on realizing anticipated cost savings and operational efficiencies going forward.”[27]

Rick Kraemer · Chief Financial Officer · Jul 23, 2026

“Our activities include exploring Artificial Intelligence (AI) capabilities such as machine learning, generative AI, deep learning, large language models, and neural networks.”[20]

Fulton Bank · 2025 Corporate Social Responsibility report · Jun 15, 2026

“we have been challenged by many manual processes that impeded a seamless experience for the customer”[29]

Angela Sargent · Executive Vice President and Chief Information Officer · Aug 29, 2011

“We are now able to leverage AI to support our team and help them to assist customers even more effectively and efficiently in the future.”[10]

Krystal Davis · Contact Center Infrastructure and Planning Manager · Dec 11, 2024

Who runs AI at Fulton?

Curt MyersLinkedIn ↗

Chairman, CEO and President[8][18]

Kevin GremerLinkedIn ↗

Senior EVP, Chief Operations and Technology Officer (from August 2025)[13][21]

Karthik Sridharan

Former Chief Operations and Technology Officer (June 2023 – January 2025)[11][12]

Angela Sargent

Senior EVP and Chief Information Officer (CIO since 2013; with Fulton since 1992)[21][29]

Atul Malhotra

Senior EVP and Chief Risk Officer (CRO since February 2024; senior EVP since January 2026)[21]

Scott Snyder

Independent director since 2016; vice-chair of the Risk Committee; former Chief Digital Officer at EVERSANA[21]

Krystal Davis-Drulik

Planning and Infrastructure Manager, contact centre (named Krystal Davis in the 2024 NICE release); owner of the NICE CXone deployment[10][28]

Russell TreziseLinkedIn ↗

Contact Center Director[9]

What AI roles is Fulton hiring for?

Data as of · 0 AI-titled postings · read from Fulton's own careers site, re-checked weekly

No open AI-titled postings on Fulton'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 Fulton's AI?

The regulators around Fulton's AIFultonOCC2 documentsFederal Reserve2 documentsCFPB1 document
Figure 3 · The regulatory perimeter. Each authority links to its tracker page; the number is how many of its documents this page cites. Solid lines are the bank's direct supervisors; dashed lines are consumer, market and global standard-setters that reach it through its activities.
AuthorityWhy it matters hereDocuments
OCCFulton Bank, N.A. is a national bank; any AI in credit, fraud or servicing falls under OCC model-risk and gen-AI expectations.OCC Bulletin 2026-13
OCC Semiannual Risk Perspective, Spring 2026
Federal ReserveHolding-company oversight of the Blue Foundry integration and third-party technology.SR 23-4
SR 11-7
CFPBConsumer and wealth products bring UDAAP and adverse-action duties to any automated decisioning.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 Fulton's AI strategy?

Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.

01

A fast conversion is a technology capability

Merging a bank and converting its systems inside a quarter shows integration muscle that an AI programme could build on; the bank has not said it intends to.

02

Vendor AI without a stated strategy is a gap

Fulton runs AI in its contact centre, rolled Agentforce out to 3,000 employees in six weeks and tells wealth clients how advisers use AI, yet its filings and earnings calls say nothing about AI strategy or results, so the only figures investors can find come from vendors.

03

Watch where the analytics talent goes

Losing its customer-analytics lead to a peer's AI role is a signal about internal opportunity for data specialists.

04

The OCC bar applies from day one

As a national bank Fulton's first AI deployment will be measured against the 2026 model-risk bulletin, so governance documentation should precede any pilot.

Where does the Fulton record go deeper?

Which leader rankings does Fulton appear in?

2 of the computed leaders rankings include Fulton, each ranked from the same sourced bank pages.

How does Fulton compare with its peers?

Its peer group on this site, by business model and size:

Who leads AI at Fulton Bank?

Fulton has not named a head of AI or chief AI officer. Technology sits with Kevin Gremer, senior executive vice president and chief operations and technology officer since August 2025, who reports to chairman and CEO Curt Myers. Angela Sargent has been chief information officer since 2013, and Atul Malhotra has been chief risk officer since February 2024. Director Scott Snyder, a former chief digital officer, is credited with digital and AI strategy experience and vice-chairs the board Risk Committee. Fulton's AI deployments, NICE and Salesforce, are described by those vendors without naming an AI owner.

Does Fulton Bank use AI?

Yes, in the contact centre and through vendors, though it has not disclosed an AI leader or budget. An AI tool summarises customer calls (saving agents three to five minutes each, per the contact-centre director in 2024), Fulton selected NICE's CXone Copilot and Autopilot generative-AI agent-assist and self-service tools in December 2024, and its welcome page for Blue Foundry customers connects to an AI chatbot. Its 10-K treats AI, machine learning and automated decision-making as operational risks; its second-quarter 2026 earnings release does not mention AI.

Who runs technology at Fulton Bank?

Kevin Gremer, senior executive vice president and chief operations and technology officer since August 2025, reporting to chairman and CEO Curt Myers. He succeeded Karthik Sridharan, who held the role from June 2023 to January 2025.

What happened with Fulton's Blue Foundry acquisition?

Fulton agreed in November 2025 to buy Blue Foundry Bancorp for $243 million in stock, received regulatory approvals in February 2026, closed the deal in the second quarter, and on 11 July 2026 merged Blue Foundry Bank into Fulton Bank and converted its systems onto Fulton's platforms.

How are Fulton Bank employees using Salesforce Agentforce?

Salesforce said at Dreamforce 2026 that Fulton went from first hearing about Agentforce to setting up its first agent in one hour, rolled it out to power users within a week, and had 3,000 employees using it six weeks later. The first agent was Hunter, a prebuilt outbound sales agent that drafts outreach in the seller's own voice through Gmail and was pointed at $340,000 of at-risk pipeline. Fulton's own filings and earnings calls do not mention AI, so these figures come from the vendor.

What does Fulton say about AI in its SEC filings?

The FY2025 10-K, like the FY2024 one, lists artificial intelligence, machine learning and automated decision making among new technologies that may have unintended consequences 'due to their limitations or our failure to use them effectively', and warns that larger rivals have more to invest. The 10-Qs for the second and third quarters of 2025 and the first and second of 2026 contain no AI wording. In the November 2025 merger agreement, Blue Foundry represented that it used no AI or machine-learning tools.

  1. Fulton to acquire money-losing New Jersey bank for $243M
    American Banker · Nov 24, 2025
  2. Fulton Bank Introduces Direct Customer Service in American Sign Language
    Fulton Bank · Mar 10, 2025
  3. Fulton Bank Releases 2024 Corporate Social Responsibility Report
    Fulton Financial · Jun 10, 2025
  4. AI's Impact on Investing in the Stock Market
    Fulton Private Bank · Sep 24, 2026
  5. How to Use AI to Save Money and Budget Smarter
    Fulton Bank · Sep 24, 2026
  6. Fulton Financial Corporation and Blue Foundry Bancorp Announce Regulatory Approvals and Anticipated Merger Closing Date
    Fulton Financial · Feb 23, 2026
  7. 2025 ESG and SASB Metrics
    Fulton Bank · Mar 27, 2026
  8. Fulton Financial Merges Its Blue Foundry Bank Subsidiary into Fulton Bank, N.A.
    Fulton Financial · Jul 13, 2026
  9. How AI is helping banks humanize their call centers
    American Banker · Nov 20, 2024
  10. Fulton Bank Revolutionizes Financial Services Interactions with NiCE CXone Copilot and Autopilot
    NICE · Dec 11, 2024
  11. Fulton Financial Corporation Names Karthik Sridharan as Chief Operations and Technology Officer
    Fulton Bank · Jun 12, 2023
  12. Fulton Financial Corporation Form 8-K (Item 5.02: departure of the Chief Operations and Technology Officer)
    Fulton Financial (SEC filings) · Jan 31, 2025
  13. Fulton Bank Names Kevin Gremer as Chief Operations and Technology Officer
    Fulton Bank (PR Newswire) · Jul 23, 2025
  14. Agreement and Plan of Merger between Fulton Financial Corporation and Blue Foundry Bancorp (Form 8-K, Exhibit 2.1)
    Fulton Financial (SEC filings) · Nov 25, 2025
  15. Fulton Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Fulton Financial (SEC filings) · Feb 27, 2026
  16. Welcome Blue Foundry!
    Fulton Bank · Jul 11, 2026
  17. Nickolaus Lachman, SVP, Head of AI & Data Science, Valley Bank (Digital Banking speaker profile)
    American Banker · Apr 15, 2026
  18. Fulton Financial Corporation Announces Second Quarter 2026 Results
    Fulton Financial · Jul 22, 2026
  19. Five Big Ideas Coming Out of Dreamforce 2026
    Salesforce · Sep 24, 2026
  20. Our Values in Action: Fulton Bank 2025 Corporate Social Responsibility Report
    Fulton Bank · Jun 15, 2026
  21. Fulton Financial Corporation 2026 Proxy Statement (Schedule 14A)
    Fulton Financial (SEC filings) · Apr 1, 2026
  22. Fulton Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2024
    Fulton Financial (SEC filings) · Feb 28, 2025
  23. Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
    Fulton Financial (SEC filings) · May 8, 2026
  24. Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Fulton Financial (SEC filings) · Aug 7, 2026
  25. Earnings call transcript: Fulton Financial Q4 2025
    Investing.com (earnings call transcript) · Jan 22, 2026
  26. Earnings call transcript: Fulton Financial Q1 2026
    Investing.com (earnings call transcript) · Apr 23, 2026
  27. Earnings call transcript: Fulton Financial Q2 2026
    Investing.com (earnings call transcript) · Jul 23, 2026
  28. Fulton Bank: Frictionless for Customers, Frictionless for Agents
    NICE · Sep 30, 2026
  29. Fulton Financial Corporation Selects Fiserv
    Fiserv · Aug 29, 2011
  30. Fulton Bank Introduces CashFlow Central Platform to Empower Small Businesses
    Fulton Bank (PR Newswire) · Oct 7, 2026
  31. Fulton Financial Corporation Acquires Substantially All of the Assets and Assumes Substantially All of the Deposits of Republic First Bank From the FDIC
    Fulton Financial · Apr 26, 2024
  32. Fulton Financial Corporation Completes Acquisition of Blue Foundry Bancorp
    Fulton Financial (PR Newswire) · Apr 1, 2026
  33. Protect Your Wallet: How to recognize AI-Enhanced Online Retail Fraud
    Fulton Bank · Oct 14, 2026
  34. US 2019/0286854 A1: Record parameter automatic adjusting machines and methods
    Google Patents (USPTO) · Sep 19, 2019

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