AI use cases · computed from bank profiles; nothing on this page is written by a model. All ranked answers: /banks/leaders
On the public record as of Oct 28, 2026, 37 of the 141 large banks profiled describe at least one sourced AI use case for anti-money-laundering on their profile. Ranked by use cases (in production), the top 5 are TD (3 use cases), FNBO (2 use cases), Cathay Bank (2 use cases), ING (2 use cases) and Scotiabank (2 use cases). TD's strongest evidence: AI models in US AML monitoring and investigations: New transaction monitoring system with embedded ML and AI.
141 banks profiled (120 US, 21 non-US) · 37 with matching evidence · ranked answer, not a comparison
Which of the large banks use AI for anti-money-laundering (AML) and sanctions screening?
| # | Bank | Use cases (in production) | Strongest use case | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | TD | 3 | AI models in US AML monitoring and investigations: New transaction monitoring system with embedded ML and AI | In production (2 of 3 in production) | Sep 17, 2026 | TD profile → | The Wall Street Journal ↗ · Reuters ↗ |
| 2 | FNBO | 2 | Agentic alert triage and enhanced due diligence: AI agents gather evidence on AML, fraud and sanctions alerts | In production (2 of 2 in production) | Jun 24, 2026 | FNBO profile → | American Banker ↗ |
| 3 | Cathay Bank | 2 | AML and sanctions compliance (Wolfsberg questionnaire): Published correspondent-banking due-diligence responses | In production (2 of 2 in production) | May 8, 2025 | Cathay Bank profile → | Cathay Bank ↗ |
| 4 | ING | 2 | AI-driven KYC and transaction monitoring: A new Risk Assessment Model for customer due diligence and a secondary-analytics transaction-monitoring model live in… | In production (1 of 2 in production) | Oct 5, 2026 | ING profile → | ING Groep N.V. (SEC filing) ↗ · Computer Weekly ↗ |
| 5 | Scotiabank | 2 | Customer-record validation and AML detection on Scotia Intelligence: The Q3 2026 investor deck lists validation of customer records, improved AML risk detection and scaled compliance… | In production (1 of 2 in production) | Aug 25, 2026 | Scotiabank profile → | Yahoo Finance ↗ · Scotiabank (The Bank of Nova Scotia) ↗ |
| 6 | BMO | 2 | AI alert triage and adverse-media search: False AML alerts down about 10% | In production (1 of 2 in production) | Mar 26, 2026 | BMO profile → | Business Wire via FT Markets ↗ · Yahoo Finance Canada ↗ |
| 7 | BMO Financial Group | 2 | AI alert triage and adverse-media search: False AML alerts down about 10% | In production (1 of 2 in production) | Mar 26, 2026 | BMO Financial Group profile → | FIS (Business Wire via FT Markets) ↗ · Financial Post via Yahoo Finance Canada ↗ |
| 8 | KeyBank | 2 | NiCE Actimize X-Sight AI platform for fraud and AML: Integrated fraud management, ActOne case management and X-Sight Enterprise AML with CDD, fully live on the SaaS platform | In production (1 of 2 in production) | Jun 12, 2025 | KeyBank profile → | NiCE Actimize (Business Wire) ↗ · Bank Automation News ↗ |
| 9 | Frost | 1 | Fraud and sanctions-screening modernisation: Listed as completed in the August 2026 investor deck's digital-transformation timeline | In production | Aug 17, 2026 | Frost profile → | Cullen/Frost Bankers (SEC filings) ↗ |
| 10 | Valley | 1 | AML and fraud alert actioning: Machine-learning models segment risk, identify wire fraud and reduce false positives in AML alert review | In production | Jul 23, 2026 | Valley profile → | Valley National Bancorp (SEC filings) ↗ |
| 11 | Santander US | 1 | Openbank AI models for AML alert investigation (group): About 100,000 anti-money-laundering alerts a year processed, with investigations cut from hours to minutes | In production | Jun 22, 2026 | Santander US profile → | Banco Santander ↗ |
| 12 | Banco Santander | 1 | Openbank anti-money-laundering alert models: AI models process approximately 100,000 AML alerts a year, completing in minutes investigations that used to take hours | In production | Jun 22, 2026 | Banco Santander profile → | Banco Santander ↗ |
| 13 | HSBC USA | 1 | Dynamic Risk Assessment (Google Cloud AML AI): HSBC co-developed the system with Google, piloted it in 2021 and says it screens about 980 million transactions a… | In production | Jun 17, 2026 | HSBC USA profile → | HSBC ↗ · HSBC ↗ |
| 14 | Sallie Mae | 1 | Unit21 fraud and AML platform: Unit21's April 2026 release names Sallie Mae among its customers for a platform that combines fraud and AML detection… | In production | Apr 3, 2026 | Sallie Mae profile → | Unit21 (Business Wire) ↗ |
| 15 | FirstBank | 1 | BSA/AML and loan origination platform upgrades: Completed in 2025, improving workflow efficiency and 'monitoring and reporting capabilities' | In production | Feb 26, 2026 | FirstBank profile → | FB Financial (SEC filings) ↗ |
| 16 | OceanFirst | 1 | Copilot for AML enhanced due diligence: Investigators copy transaction data and files from the Fiserv core and Verafin into Copilot to assess high-risk… | In production | Dec 11, 2025 | OceanFirst profile → | American Banker ↗ |
| 17 | CIBC | 1 | Enhanced AML capabilities in the US bank: Listed in the 2025 annual report under the US segment's data-and-technology priority, with a new wires platform and… | In production | Dec 4, 2025 | CIBC profile → | CIBC ↗ |
| 18 | Zions | 1 | AI on wire-room and AML/BSA false positives: McLean (July 2025): AI is used actively to reduce false positives in the wire room and in AML/BSA alert review… | In production | Jul 21, 2025 | Zions profile → | Earnings call transcript (The Motley Fool) ↗ |
| 19 | Flagstar | 1 | Anti-money-laundering software and customer privacy spend: Otting put 2025 investment in AML software and customer privacy at $30 million to $40 million | In production | Apr 3, 2025 | Flagstar profile → | American Banker ↗ |
| 20 | Capital One | 1 | AML and cybersecurity models: Named by the bank among the areas where AI improves operations | In production | Mar 27, 2025 | Capital One profile → | Capital One ↗ |
| 21 | Raymond James | 1 | AML due-diligence support: The firm's own account says AI supports due-diligence anti-money-laundering functions | In production | Feb 24, 2025 | Raymond James profile → | Raymond James ↗ · Raymond James via Canada NewsWire (Yahoo Finance) ↗ |
| 22 | HSBC | 1 | Dynamic Risk Assessment transaction monitoring (Google AML AI): Co-developed with Google and piloted in 2021 | In production | Jun 10, 2024 | HSBC profile → | HSBC Holdings plc ↗ |
| 23 | City National | 1 | BSA/AML monitoring models under the OCC order: The January 2024 consent order requires periodic independent validation of the models and filtering thresholds used in… | In production | Jan 31, 2024 | City National profile → | OCC ↗ · OCC ↗ |
| 24 | Deutsche Bank | 1 | Named-entity extraction for sanctions and embargo checks in trade finance: Extracts organisations, persons, locations and vessels from scanned invoices and transport documents to run sanctions… | In production | Jan 1, 2024 | Deutsche Bank profile → | Deutsche Bank Corporate Bank ↗ |
| 25 | UOB | 1 | Machine-learning name screening and transaction monitoring: Co-created machine-learning features in Tookitaki's Anti-Money Laundering Suite, used for name screening and… | In production | Aug 24, 2018 | UOB profile → | The Business Times ↗ |
| 26 | TD Bank Group | 1 | Machine learning and specialised AI in US AML remediation: The 2025 annual report and the Q3 2026 filing list further deployments of machine learning and specialised AI, a new… | Rolling out | Aug 27, 2026 | TD Bank Group profile → | TD Bank Group (SEC filing) ↗ · TD Bank Group (SEC filing) ↗ |
| 27 | SouthState | 1 | BSA sanctions review: Listed among internal-efficiency uses in the Q2 2026 deck | Rolling out | Jul 23, 2026 | SouthState profile → | SouthState Bank Corporation (SEC filings) ↗ |
| 28 | PNC | 1 | AML anomaly detection: One of the Big Five: large data sets fed to models looking for anomalies | Rolling out | Feb 10, 2026 | PNC profile → | Investing.com ↗ |
| 29 | Northern Trust | 1 | AML/KYC document handling and document digitisation: Use cases the COO described as in production or about to be, built under a central guardrails group | Rolling out | Sep 9, 2025 | Northern Trust profile → | Investing.com ↗ |
| 30 | Customers Bank | 1 | AI KYC screening and OFAC false-positive clearing: Piloted in Q2 2026, per the second-quarter release, to make compliance processes more consistent and defensible | Pilot | Jul 23, 2026 | Customers Bank profile → | Customers Bancorp (SEC Form 8-K, Exhibit 99.1) ↗ · Customers Bancorp ↗ |
| 31 | Citizens | 1 | AI public-record risk profiles for AML: Coughlin: AI scans public-record information on incoming clients and returns a summary risk profile | Pilot | Mar 27, 2026 | Citizens profile → | American Banker ↗ |
| 32 | United Community | 1 | AI agents in risk and compliance operations: VP of fraud data and technology Micah Weaver joined an Alloy session on AI agents for AML investigation and KYC review… | Announced | Aug 15, 2026 | United Community profile → | American Banker (Partner Insights from Alloy) ↗ |
| 33 | Banner Bank | 1 | BSA/AML as a named AI use: CEO Mark Grescovich named BSA/AML tools as an example of where regional banks will invest in AI in April 2026 | Announced | Apr 23, 2026 | Banner Bank profile → | Investing.com ↗ · Banner Bank ↗ |
| 34 | Rockland Trust | 1 | BSA/AML process automation: BSA/AML is named alongside fraud review and day-to-day processing as a focus of the bank's AI efforts | Announced | Jan 23, 2026 | Rockland Trust profile → | Investing.com ↗ |
| 35 | Atlantic Union | 1 | Machine-learning transaction and suspicious-activity monitoring: A listed AI use-case category: detecting anomalies in transactions with machine learning to prevent fraud, monitor… | Announced | Dec 10, 2025 | Atlantic Union profile → | Atlantic Union Bankshares (SEC filings) ↗ |
| 36 | Stifel Bank | 1 | AI agents for rule-book checks in compliance, AML and onboarding: The CEO said agents suit administrative work that compares inputs to rule books, such as supervisory-analyst reviews… | Announced | Jul 30, 2025 | Stifel Bank profile → | Investing.com ↗ |
| 37 | Dime | 1 | Quantifind AI sanctions screening for payments: AI risk intelligence combining internal data with unstructured public information to screen payments for sanctions… | Announced | Jun 4, 2025 | Dime profile → | Quantifind (PR Newswire) ↗ |
Each row quotes one record from bank profiles; the “On this site” link opens the bank's own page or sub-page with every source. Banks absent from the table have nothing matching on the record this site holds.
How is this ranked?
Data: the 141 bank profiles on this site (lib/banks), every entry dated and sourced: the "Where AI runs" use cases, each with a status (in production, rolling out, pilot, announced).
Rule: Use cases tagged aml-kyc whose name or detail matches \bAML\b|anti[- ]money|money laundering|sanctions|transaction monitoring|suspicious activity|\bSAR\b. Score = matching use cases. Order: matching use cases, then those in production, then the strongest stage, then the newest source.
Counts: 37 of 141 profiled banks qualify; 46 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.
What are the caveats?
Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources.
Which bank ranks first?
TD Bank (U.S.) leads with 3 use cases: AI models in US AML monitoring and investigations: New transaction monitoring system with embedded ML and AI. FNBO is second with 2.
How many large banks describe AI use cases for aml and sanctions?
37 of the 141 profiled banks (120 US, 21 non-US groups). Among those listed, 29 are US banks and 8 non-US groups.
What counts, and what does not?
Use cases tagged aml-kyc whose name or detail matches \bAML\b|anti[- ]money|money laundering|sanctions|transaction monitoring|suspicious activity|\bSAR\b. Score = matching use cases. Order: matching use cases, then those in production, then the strongest stage, then the newest source. Source: the 141 bank profiles on this site (lib/banks), every entry dated and sourced: the "Where AI runs" use cases, each with a status (in production, rolling out, pilot, announced).
Is this a measure of capability?
No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works.
When was this checked, and how often does it update?
The data behind the table was last checked on 2026-10-28 (bank profiles). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.
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