# Fulton Financial Corporation: AI strategy

Source: https://www.bankingnewsai.com/banks/fulton
Last updated: 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.

## At a glance

| Field | Value |
| --- | --- |
| Lead bank | Fulton Bank, N.A. |
| Ticker | FULT |
| Headquarters | Lancaster, PA |
| Consolidated assets | $32,561 million |
| Federal Reserve rank | 62 |
| Charter | National bank (OCC) |

## 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. ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [Fiserv](https://investors.fiserv.com/node/24356/pdf), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf), [Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en))

| Item | What it is | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| Salesforce Agentforce | Agent platform; Hunter outbound sales agent, 3,000 employees within six weeks | In production | 2026-09-24 | [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/) |
| NICE CXone Copilot, Autopilot, Expert | Generative-AI agent assist, self-service and knowledge base; chat channel and auto summary added | In production | 2024-12-11 | [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents) |
| Fiserv | Outsourced banking platform from 2011, agreement dated 2016 and amended 2021; CashFlow Central payments hub for small businesses | In production | 2026-10-07 | [Fiserv](https://investors.fiserv.com/node/24356/pdf), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Fulton Bank (PR Newswire)](https://prnewswire.com/news-releases/fulton-bank-introduces-cashflow-central-platform-to-empower-small-businesses-302901375.html) |
| Palqee Prisma | AI-driven policy-assurance platform overseeing AI and human decision workflows; expanded pilot | Pilot | 2026-06-15 | [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf) |
| Wellthi | Generative-AI and social tool for customer acquisition and retention; mentored in the 2025 FinTech Innovation Lab, no deployment stated | Mentorship only | 2026-06-15 | [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf) |
| Fulton Innovation Institute | Partnerships with nine universities for research, talent and student projects | Active | 2026-06-15 | [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf) |
| US 2019/0286854 A1 | Record parameter automatic adjusting machines and methods (threshold-based; no AI in the abstract) | Abandoned application | 2019-09-19 | [Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en) |

## Key points

- 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).

## Timeline

- Sep 30, 2026 — **Contact-centre manager describes Fulton's AI journey with NICE** 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. ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents))
- Sep 24, 2026 — **Salesforce cites Fulton's Agentforce rollout at Dreamforce** 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. ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/))
- Aug 7, 2026 — **Q2 2026 10-Q has no AI wording** Neither this 10-Q nor the first-quarter filing of 8 May mentions artificial intelligence or machine learning. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000033/fult-20260630.htm), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000016/fult-20260331.htm))
- Jul 23, 2026 — **Q2 2026 call: Blue Foundry conversion complete, no AI discussion** 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. ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-fulton-beats-q2-2026-estimates-as-stock-slips-93CH-4809451))
- Jul 22, 2026 — **Second-quarter 2026 results** Net income to common $99.9 million; $0.52 per share; the CEO cites 'record financial results'. ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results))
- Jul 11, 2026 — **Blue Foundry Bank merged and converted onto Fulton platforms** Customers gain access to 215-plus financial centres and digital platforms. ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-))
- Jun 15, 2026 — **2025 CSR report: AI exploration, Innovation Institute and Palqee pilot** 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. ([Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf))
- Apr 23, 2026 — **Q1 2026 call: operating earnings $0.55 a share, no AI discussion** Operating return on average assets 1.30% and on tangible common equity 14.76%; the transcript has no reference to AI. ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-fulton-financial-q1-2026-beats-eps-forecasts-93CH-4633279))
- Apr 15, 2026 — **Former analytics lead profiled as Valley Bank's head of AI** Nickolaus Lachman, who managed Fulton's customer-analytics team, now leads AI and data science at Valley. ([American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman))
- Apr 1, 2026 — **2026 proxy lists the technology, information and risk executives** 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. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm))
- Apr 1, 2026 — **Blue Foundry acquisition closes** Fulton becomes a $34 billion company; Blue Foundry Bank stays a separate subsidiary until the summer systems conversion. ([Fulton Financial (PR Newswire)](https://prnewswire.com/news-releases/fulton-financial-corporation-completes-acquisition-of-blue-foundry-bancorp-302731367.html))
- Mar 27, 2026 — **2025 sustainability metrics: cyber programme under the CISO** Risk practices 'streamlined for speed and agility'; no AI reference. ([Fulton Bank](https://fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-ESG-Metrics.pdf))
- Feb 27, 2026 — **2025 10-K: AI as a technology risk** 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. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm))
- Feb 23, 2026 — **Regulatory approvals for Blue Foundry** Closing date set for the second quarter. ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-CORPORATION-AND-BLUE-FOUNDRY-BANCORP-ANNOUNCE-REGULATORY-APPROVALS-AND-ANTICIPATED-MERGER-CLOSING-DATE))
- Jan 22, 2026 — **Q4 2025 call: record 2025 operating earnings, no AI discussion** 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. ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-fulton-financial-q4-2025-beats-eps-forecast-stock-climbs-93CH-4461675))
- Nov 25, 2025 — **Merger agreement: Blue Foundry uses no AI** The target represents that neither it nor its subsidiaries use or have developed AI, machine learning or deep-learning tools. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000119312525294477/d98598dex21.htm))
- Nov 24, 2025 — **Blue Foundry Bancorp acquisition announced** $243 million in stock for a struggling Northern New Jersey bank. ([American Banker](https://americanbanker.com/news/fulton-to-acquire-money-losing-new-jersey-bank-for-243m))
- Jul 23, 2025 — **Kevin Gremer named chief operations and technology officer** Joins on 25 August from City National Bank, after more than 20 years at Capital One; reports to the CEO. ([Fulton Bank (PR Newswire)](https://www.prnewswire.com/news-releases/fulton-bank-names-kevin-gremer-as-chief-operations-and-technology-officer-302512232.html))
- Jun 10, 2025 — **2024 Corporate Social Responsibility report** 'From Values to Value'. ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2025/FULTON-BANK-RELEASES-2024-CORPORATE-SOCIAL-RESPONSIBILITY-REPORT))
- Mar 10, 2025 — **Customer service in American Sign Language** Video access to signing representatives through 360 Direct Access. ([Fulton Bank](https://www.fultonbank.com/About-Fulton-Bank/Media-Room/Fulton-Bank-Introduces-Direct-Customer-Service-in-American-Sign-Language))
- Feb 28, 2025 — **FY2024 10-K carries the AI risk-factor wording** The same sentence on AI, machine learning and automated decision making appears a year before the FY2025 10-K repeats it. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056425000014/fult-20241231.htm))
- Jan 31, 2025 — **Technology chief departs** Sridharan leaves; the 8-K treats it as a termination without cause. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056425000008/fult-20250131.htm))
- Dec 11, 2024 — **NICE CXone Copilot, Autopilot and Expert selected** Generative-AI agent assist trained on Fulton's knowledge articles, omnichannel self-service and a consolidated knowledge base. ([NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot))
- Nov 20, 2024 — **AI summarises contact-centre calls** 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. ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers))
- Apr 26, 2024 — **Republic First Bank assets acquired from the FDIC** 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'. ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2024/Fulton-Financial-Corporation-Acquires-Substantially-All-of-the-Assets-and-Assumes-Substantially-All-of-the-Deposits-of-Republic-First-Bank-From-the-FDIC))
- Jun 12, 2023 — **Chief operations and technology officer hired** 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'. ([Fulton Bank](https://www.fultonbank.com/About-Fulton-Bank/Media-Room/Fulton-Financial-Corporation-Names-Karthik-Sridharan-as-Chief-Operations-and-Technology-Officer))

## Where AI runs

| Use case | What | Status | Detail | Sources |
| --- | --- | --- | --- | --- |
| [Third-party & vendor AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#third-party-vendors) | Blue Foundry systems conversion | In production | 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. | [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-) |
| [Cybersecurity](https://www.bankingnewsai.com/ai-regulation/by-use-case#cybersecurity) | Cybersecurity risk programme | In production | Identification, measurement and monitoring of cyber risk under the CISO. | [Fulton Bank](https://fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-ESG-Metrics.pdf) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | Customer education on AI tools | In production | AI in investing (private bank) and AI budgeting apps (education centre). | [Fulton Private Bank](https://www.fultonbank.com/Investments/Fulton-Private-Bank/Articles/AIs-Impact-on-Investing), [Fulton Bank](https://www.fultonbank.com/Education-Center/Trending/How-to-Use-AI-to-Save-Money-and-Budget-Smarter) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | AI call summarisation in the contact centre | In production | The tool listens to calls and summarises them, a task agents formerly did by hand. | [American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | NICE CXone Copilot and Autopilot | Announced | Generative-AI next-best actions for agents, trained on Fulton's knowledge articles, plus omnichannel self-service (Autopilot) and knowledge management (Expert). | [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | AI chatbot on the Blue Foundry welcome page | In production | The transition page for former Blue Foundry customers connects to an AI chatbot; the bank warns it may not always have the right answer. | [Fulton Bank](https://www.fultonbank.com/WelcomeBlueFoundry) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Salesforce Agentforce agents for employees | In production | 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. | [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | NICE Expert knowledge base, Copilot auto summary and chat channel | In production | 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. | [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents) |
| [Fraud detection](https://www.bankingnewsai.com/ai-regulation/by-use-case#fraud) | Customer education on AI-enabled scams | In production | 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. | [Fulton Bank](https://www.fultonbank.com/Education-Center/Privacy-and-Security/Protect-Your-Wallet---How-to-recognize-AI-Enhanced-Online-Retail-Fraud) |
| [Third-party & vendor AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#third-party-vendors) | AI in supplier due diligence | In production | 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. | [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | Palqee Prisma AI policy-assurance pilot | Pilot | An AI-driven platform that oversees AI and human decision workflows; Fulton mentored it in the 2025 FinTech Innovation Lab and expanded a pilot. | [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | AI risk-factor disclosure | In production | 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. | [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm) |

## Disclosed numbers

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| Second-quarter 2026 net income to common / EPS | $99.9 million / $0.52 | Jul 22, 2026 | [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results) |
| Blue Foundry acquisition | $243 million in stock | Nov 24, 2025 | [American Banker](https://americanbanker.com/news/fulton-to-acquire-money-losing-new-jersey-bank-for-243m) |
| Financial centres | > 215 | Jul 13, 2026 | [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-) |
| Total assets | ≈ $34 billion | Jul 13, 2026 | [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-) |
| Agent time saved per call by AI summarisation | 3–5 minutes | Nov 20, 2024 | [American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers) |
| Contact-centre staff | ≈ 100 | Nov 20, 2024 | [American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers) |
| Employees using Agentforce six weeks after the first agent | 3,000 | Sep 24, 2026 | [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/) |
| Time from first hearing about Agentforce to first agent | 1 hour (power users within a week) | Sep 24, 2026 | [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/) |
| At-risk pipeline the Hunter agent was aimed at | $340,000 | Sep 24, 2026 | [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/) |
| Customer interactions serviced a year (contact centre, sales, treasury management, back office) | > 3 million | Sep 30, 2026 | [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents) |
| University partners in the Fulton Innovation Institute | 9 | Jun 15, 2026 | [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf) |
| 2026 operating non-interest expense guidance | $810 million to $830 million | Jul 23, 2026 | [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-fulton-beats-q2-2026-estimates-as-stock-slips-93CH-4809451) |
| Q2 2026 acquisition-related expenses excluded from operating results | $13.8 million | Jul 23, 2026 | [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-fulton-beats-q2-2026-estimates-as-stock-slips-93CH-4809451) |

## Quotes

> "By combining our strengths, we are better positioned to serve our customers, support our communities, and drive long-term growth in New Jersey." — Curt Myers, Chairman, CEO and President, Jul 13, 2026 ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-))

> "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." — Russell Trezise, Contact Center Director, Nov 20, 2024 ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers))

> "For this role, we were looking for a strategic and innovative leader with a proven track-record of elevating operations and technology." — Curt Myers, Chairman and CEO, Jul 23, 2025 ([Fulton Bank (PR Newswire)](https://www.prnewswire.com/news-releases/fulton-bank-names-kevin-gremer-as-chief-operations-and-technology-officer-302512232.html))

> "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." — Rick Kraemer, Chief Financial Officer, Jul 23, 2026 ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-fulton-beats-q2-2026-estimates-as-stock-slips-93CH-4809451))

> "Our activities include exploring Artificial Intelligence (AI) capabilities such as machine learning, generative AI, deep learning, large language models, and neural networks." — Fulton Bank, 2025 Corporate Social Responsibility report, Jun 15, 2026 ([Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf))

> "we have been challenged by many manual processes that impeded a seamless experience for the customer" — Angela Sargent, Executive Vice President and Chief Information Officer, Aug 29, 2011 ([Fiserv](https://investors.fiserv.com/node/24356/pdf))

> "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." — Krystal Davis, Contact Center Infrastructure and Planning Manager, Dec 11, 2024 ([NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot))

## Who runs AI

- **Curt Myers** — Chairman, CEO and President ([LinkedIn](https://www.linkedin.com/in/curt-myers-53a39a15)) ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results))
- **Kevin Gremer** — Senior EVP, Chief Operations and Technology Officer (from August 2025) ([LinkedIn](https://www.linkedin.com/in/kevingremer)) ([Fulton Bank (PR Newswire)](https://www.prnewswire.com/news-releases/fulton-bank-names-kevin-gremer-as-chief-operations-and-technology-officer-302512232.html), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm))
- **Karthik Sridharan** — Former Chief Operations and Technology Officer (June 2023 – January 2025) ([Fulton Bank](https://www.fultonbank.com/About-Fulton-Bank/Media-Room/Fulton-Financial-Corporation-Names-Karthik-Sridharan-as-Chief-Operations-and-Technology-Officer), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056425000008/fult-20250131.htm))
- **Angela Sargent** — Senior EVP and Chief Information Officer (CIO since 2013; with Fulton since 1992) ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [Fiserv](https://investors.fiserv.com/node/24356/pdf))
- **Atul Malhotra** — Senior EVP and Chief Risk Officer (CRO since February 2024; senior EVP since January 2026) ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm))
- **Scott Snyder** — Independent director since 2016; vice-chair of the Risk Committee; former Chief Digital Officer at EVERSANA ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm))
- **Krystal Davis-Drulik** — Planning and Infrastructure Manager, contact centre (named Krystal Davis in the 2024 NICE release); owner of the NICE CXone deployment ([NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents))
- **Russell Trezise** — Contact Center Director ([LinkedIn](https://www.linkedin.com/in/russelltrezise)) ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers))

## Open AI roles

Data as of Oct 25, 2026 (2026-10-25) · read from the bank's own careers site, re-checked weekly.

No open AI-titled postings on [the careers site](https://careers.fultonbank.com/jobs) as of Oct 25, 2026. A snapshot of current openings, not a source: postings close.

## Regulators it answers to

- [OCC](https://www.bankingnewsai.com/ai-regulation/occ) — Fulton Bank, N.A. is a national bank; any AI in credit, fraud or servicing falls under OCC model-risk and gen-AI expectations. See [OCC Bulletin 2026-13](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2026-13), [OCC Semiannual Risk Perspective, Spring 2026](https://www.bankingnewsai.com/ai-regulation/documents/occ-semiannual-risk-perspective-spring-2026).
- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) — Holding-company oversight of the Blue Foundry integration and third-party technology. See [SR 23-4](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-23-4), [SR 11-7](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-11-7).
- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) — Consumer and wealth products bring UDAAP and adverse-action duties to any automated decisioning. See [ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-ecoa-regulation-b-adverse-action).

## What the record suggests

### 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.

### 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.

### 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.

### 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.

## FAQ

### 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.

## Sources (34)

1. Fulton to acquire money-losing New Jersey bank for $243M — American Banker, Nov 24, 2025. https://americanbanker.com/news/fulton-to-acquire-money-losing-new-jersey-bank-for-243m
2. Fulton Bank Introduces Direct Customer Service in American Sign Language — Fulton Bank, Mar 10, 2025. https://www.fultonbank.com/About-Fulton-Bank/Media-Room/Fulton-Bank-Introduces-Direct-Customer-Service-in-American-Sign-Language
3. Fulton Bank Releases 2024 Corporate Social Responsibility Report — Fulton Financial, Jun 10, 2025. https://investor.fultonbank.com/news/news-details/2025/FULTON-BANK-RELEASES-2024-CORPORATE-SOCIAL-RESPONSIBILITY-REPORT
4. AI's Impact on Investing in the Stock Market — Fulton Private Bank, Sep 24, 2026. https://www.fultonbank.com/Investments/Fulton-Private-Bank/Articles/AIs-Impact-on-Investing
5. How to Use AI to Save Money and Budget Smarter — Fulton Bank, Sep 24, 2026. https://www.fultonbank.com/Education-Center/Trending/How-to-Use-AI-to-Save-Money-and-Budget-Smarter
6. Fulton Financial Corporation and Blue Foundry Bancorp Announce Regulatory Approvals and Anticipated Merger Closing Date — Fulton Financial, Feb 23, 2026. https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-CORPORATION-AND-BLUE-FOUNDRY-BANCORP-ANNOUNCE-REGULATORY-APPROVALS-AND-ANTICIPATED-MERGER-CLOSING-DATE
7. 2025 ESG and SASB Metrics — Fulton Bank, Mar 27, 2026. https://fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-ESG-Metrics.pdf
8. Fulton Financial Merges Its Blue Foundry Bank Subsidiary into Fulton Bank, N.A. — Fulton Financial, Jul 13, 2026. https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-
9. How AI is helping banks humanize their call centers — American Banker, Nov 20, 2024. https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers
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11. Fulton Financial Corporation Names Karthik Sridharan as Chief Operations and Technology Officer — Fulton Bank, Jun 12, 2023. https://www.fultonbank.com/About-Fulton-Bank/Media-Room/Fulton-Financial-Corporation-Names-Karthik-Sridharan-as-Chief-Operations-and-Technology-Officer
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13. Fulton Bank Names Kevin Gremer as Chief Operations and Technology Officer — Fulton Bank (PR Newswire), Jul 23, 2025. https://www.prnewswire.com/news-releases/fulton-bank-names-kevin-gremer-as-chief-operations-and-technology-officer-302512232.html
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. https://www.sec.gov/Archives/edgar/data/700564/000119312525294477/d98598dex21.htm
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. https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm
16. Welcome Blue Foundry! — Fulton Bank, Jul 11, 2026. https://www.fultonbank.com/WelcomeBlueFoundry
17. Nickolaus Lachman, SVP, Head of AI & Data Science, Valley Bank (Digital Banking speaker profile) — American Banker, Apr 15, 2026. https://digital-banking.americanbanker.com/profile/nickolas-lachman
18. Fulton Financial Corporation Announces Second Quarter 2026 Results — Fulton Financial, Jul 22, 2026. https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results
19. Five Big Ideas Coming Out of Dreamforce 2026 — Salesforce, Sep 24, 2026. https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/
20. Our Values in Action: Fulton Bank 2025 Corporate Social Responsibility Report — Fulton Bank, Jun 15, 2026. https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf
21. Fulton Financial Corporation 2026 Proxy Statement (Schedule 14A) — Fulton Financial (SEC filings), Apr 1, 2026. https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm
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. https://www.sec.gov/Archives/edgar/data/700564/000070056425000014/fult-20241231.htm
23. Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Fulton Financial (SEC filings), May 8, 2026. https://www.sec.gov/Archives/edgar/data/700564/000070056426000016/fult-20260331.htm
24. Fulton Financial Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Fulton Financial (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/700564/000070056426000033/fult-20260630.htm
25. Earnings call transcript: Fulton Financial Q4 2025 — Investing.com (earnings call transcript), Jan 22, 2026. https://investing.com/news/transcripts/earnings-call-transcript-fulton-financial-q4-2025-beats-eps-forecast-stock-climbs-93CH-4461675
26. Earnings call transcript: Fulton Financial Q1 2026 — Investing.com (earnings call transcript), Apr 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-fulton-financial-q1-2026-beats-eps-forecasts-93CH-4633279
27. Earnings call transcript: Fulton Financial Q2 2026 — Investing.com (earnings call transcript), Jul 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-fulton-beats-q2-2026-estimates-as-stock-slips-93CH-4809451
28. Fulton Bank: Frictionless for Customers, Frictionless for Agents — NICE, Sep 30, 2026. https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents
29. Fulton Financial Corporation Selects Fiserv — Fiserv, Aug 29, 2011. https://investors.fiserv.com/node/24356/pdf
30. Fulton Bank Introduces CashFlow Central Platform to Empower Small Businesses — Fulton Bank (PR Newswire), Oct 7, 2026. https://prnewswire.com/news-releases/fulton-bank-introduces-cashflow-central-platform-to-empower-small-businesses-302901375.html
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. https://investor.fultonbank.com/news/news-details/2024/Fulton-Financial-Corporation-Acquires-Substantially-All-of-the-Assets-and-Assumes-Substantially-All-of-the-Deposits-of-Republic-First-Bank-From-the-FDIC
32. Fulton Financial Corporation Completes Acquisition of Blue Foundry Bancorp — Fulton Financial (PR Newswire), Apr 1, 2026. https://prnewswire.com/news-releases/fulton-financial-corporation-completes-acquisition-of-blue-foundry-bancorp-302731367.html
33. Protect Your Wallet: How to recognize AI-Enhanced Online Retail Fraud — Fulton Bank, Oct 14, 2026. https://www.fultonbank.com/Education-Center/Privacy-and-Security/Protect-Your-Wallet---How-to-recognize-AI-Enhanced-Online-Retail-Fraud
34. US 2019/0286854 A1: Record parameter automatic adjusting machines and methods — Google Patents (USPTO), Sep 19, 2019. https://patents.google.com/patent/US20190286854A1/en

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