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, 108 of the 141 large banks profiled describe at least one sourced AI use case for fraud detection on their profile. Ranked by use cases (in production), the top 5 are Commonwealth Bank (5 use cases), Citi (4 use cases), SoFi (4 use cases), City National Florida (3 use cases) and Capital One (3 use cases). Commonwealth Bank's strongest evidence: NameCheck payee verification on first-time payments: AI and matching logic check payee account details on first-time payments and prompt the customer on a mismatch.
141 banks profiled (120 US, 21 non-US) · 108 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks use AI for fraud detection?
| # | Bank | Use cases (in production) | Strongest use case | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | Commonwealth Bank | 5 | NameCheck payee verification on first-time payments: AI and matching logic check payee account details on first-time payments and prompt the customer on a mismatch | In production (5 of 5 in production) | Oct 14, 2026 | Commonwealth Bank profile → | Commonwealth Bank of Australia ↗ · Finextra ↗ |
| 2 | Citi | 4 | Socure identity verification: Socure's company page lists Citi among organisations that use its identity-verification and fraud platform, and Forbes… | In production (4 of 4 in production) | Sep 24, 2026 | Citi profile → | American Banker ↗ · Socure ↗ |
| 3 | SoFi | 4 | Socure identity verification and fraud prevention: Socure named SoFi a marquee customer in 2021 and a founding member of its First-Party Fraud Consortium in December… | In production (4 of 4 in production) | Sep 24, 2026 | SoFi profile → | PR Newswire (Poetic) ↗ · SEC (SoFi Technologies 10-Q) ↗ |
| 4 | City National Florida | 3 | ACH and check Positive Pay, debit block and filtering: Rules-based screening of ACH and check items against issued payments, per-vendor debit filters, and SMS or email alerts | In production (3 of 3 in production) | Oct 14, 2026 | City National Florida profile → | City National Bank of Florida ↗ · City National Bank of Florida ↗ |
| 5 | Capital One | 3 | Socure identity-fraud screening (U.S. Card): Socure says its identity verification raised approval rates and cut false positives for the Capital One U.S | In production (3 of 3 in production) | Sep 24, 2026 | Capital One profile → | VentureBeat (sponsored by Capital One) ↗ · FinTech Breakthrough (GlobeNewswire) ↗ |
| 6 | Regions | 3 | Adaptive authentication and identity intelligence: Authentication investment framed as reducing fraud and customer friction | In production (3 of 3 in production) | Aug 7, 2026 | Regions profile → | Regions Financial (SEC filing) ↗ · Regions Bank ↗ |
| 7 | FNBO | 3 | AI-scam and deepfake awareness: CISO-authored guidance for consumers and businesses | In production (3 of 3 in production) | Jun 8, 2026 | FNBO · fraud and credit ai → | Pindrop (GlobeNewswire) ↗ · FNBO ↗ |
| 8 | BofA | 3 | Behavioural biometrics (BioCatch): American Banker (March 2026) names Bank of America among banks using BioCatch, whose technology reads how a user logs… | In production (3 of 3 in production) | Mar 18, 2026 | BofA profile → | Bank of America (SEC filings) ↗ · American Banker ↗ |
| 9 | Ameris | 3 | Customer education on AI-generated fraud: Deepfake voices and AI-enabled phishing | In production (2 of 3 in production) | Sep 24, 2026 | Ameris profile → | Ameris Bank ↗ · Ameris Bancorp (SEC filings) ↗ |
| 10 | First Hawaiian | 3 | AI voice-cloning scam education: How voice-cloning scams work and how families can protect themselves | In production (2 of 3 in production) | Feb 11, 2026 | First Hawaiian profile → | First Hawaiian Bank ↗ · First Hawaiian Bank ↗ |
| 11 | JPMorgan | 3 | Fraud and AML analytics: Machine-learning monitoring across roughly $10 trillion of daily payment flows, per the bank's own operating description | In production (2 of 3 in production) | Apr 9, 2025 | JPMorgan profile → | J.P. Morgan ↗ · J.P. Morgan Payments ↗ |
| 12 | Commerce | 3 | AI-scam awareness and investigations: Corporate investigations guidance on AI-enabled impersonation | In production (2 of 3 in production) | Jul 19, 2024 | Commerce profile → | Commerce Bank ↗ · Commerce Bank ↗ |
| 13 | Amex | 3 | Embedded fraud controls in B2B payments: Authentication and fraud controls in buyer–supplier flows | In production (1 of 3 in production) | Jul 21, 2026 | Amex · fraud and credit ai → | Business Wire via FT Markets ↗ · Payments Dive ↗ |
| 14 | Citizens Business Bank | 2 | Customer education on AI-enabled scams: The Security Center page is headed 'Fraud is Getting Smarter with AI' and links a customer cybersecurity newsletter… | In production (2 of 2 in production) | Oct 14, 2026 | Citizens Business Bank profile → | CVB Financial Corp. (SEC filings) ↗ · Citizens Business Bank ↗ |
| 15 | First United Bank | 2 | Business Fraud Risk Calculator: Self-assessment tool for business customers built on the bank's account data and AFP statistics | In production (2 of 2 in production) | Oct 14, 2026 | First United Bank profile → | First United Bank ↗ · First United Bank ↗ |
| 16 | First Commonwealth | 2 | Customer education on AI deepfake fraud: The bank's fraud-prevention pages warn consumers and businesses about AI-generated voice and video impersonation… | In production (2 of 2 in production) | Oct 14, 2026 | First Commonwealth profile → | First Commonwealth Financial Corporation (SEC filing) ↗ · First Commonwealth Bank ↗ |
| 17 | First Financial Bank | 2 | AI fraud seminars for business clients: The bank's 'Fraud in the Age of AI' seminar combined a live deepfake demonstration with a panel of the CISO, a Clark… | In production (2 of 2 in production) | Oct 13, 2026 | First Financial Bank profile → | First Financial Bank ↗ · First Financial Bank ↗ |
| 18 | Bank of Hope | 2 | Positive Pay and ACH Transaction Review (business clients): Payee Positive Pay compares checks with the issue file, ACH Positive Pay blocks debits from companies the client has… | In production (2 of 2 in production) | Oct 13, 2026 | Bank of Hope profile → | Bank of Hope ↗ · Bank of Hope ↗ |
| 19 | BNP Paribas | 2 | Real-time transaction fraud detection: BNP Paribas says AI analyses millions of transactions in real time to detect abnormal behaviour and prevent fraud, as… | In production (2 of 2 in production) | Oct 5, 2026 | BNP Paribas profile → | BNP Paribas ↗ · BNP Paribas Personal Finance ↗ |
| 20 | First Citizens | 2 | AI in fraud and financial-crimes detection: The Chief Data and Analytics Officer lists fraud and risk management among the areas where the bank uses AI tools, and… | In production (2 of 2 in production) | Sep 3, 2026 | First Citizens profile → | First Citizens Bank ↗ · First Citizens Bank ↗ |
| 21 | Wells Fargo | 2 | Behavioural biometrics (BioCatch): BioCatch software that reads signals such as keystrokes, touch gestures and phone orientation to catch account… | In production (2 of 2 in production) | Aug 3, 2026 | Wells Fargo profile → | American Banker ↗ · Wells Fargo ↗ |
| 22 | First Merchants | 2 | Customer education on text scams: Recognising smishing and impersonation | In production (2 of 2 in production) | Jul 29, 2026 | First Merchants profile → | First Merchants Bank ↗ · First Merchants Bank ↗ |
| 23 | U.S. Bank | 2 | Treasury fraud defence: Anomaly detection, behavioural intelligence and network analytics on payments | In production (2 of 2 in production) | Jul 22, 2026 | U.S. Bank profile → | U.S. Bank ↗ · U.S. Bancorp via SEC EDGAR ↗ |
| 24 | Synchrony | 2 | Behavioural fraud detection and AI-enabled fraud defence: A credit executive says the company uses data to learn what is typical for an individual applicant or customer… | In production (2 of 2 in production) | Jul 21, 2026 | Synchrony profile → | PYMNTS ↗ · Synchrony Financial (SEC filing) ↗ |
| 25 | United Bank | 2 | Customer fraud-awareness content: Fraudulent-website, phishing-email and domain-checking guidance | In production (2 of 2 in production) | Jun 29, 2026 | United Bank profile → | United Bank ↗ · United Bank ↗ |
| 26 | Customers Bank | 2 | Qualia Shield wire-fraud verification for title and escrow: Wires originate and are received inside Qualia, with automated fraud verification on every transaction | In production (2 of 2 in production) | Jun 29, 2026 | Customers Bank profile → | Customers Bank ↗ · Customers Bank ↗ |
| 27 | Seacoast Bank | 2 | Proactive outreach on atypical account activity: A market president says the bank uses technology for early identification of fraud, often before the customer knows… | In production (2 of 2 in production) | Jun 24, 2026 | Seacoast Bank profile → | Quavo (GlobeNewswire) ↗ · Orlando Business Journal ↗ |
| 28 | Bank of Hawaii | 2 | Scam education for seniors: Top-ten scams guidance | In production (2 of 2 in production) | Jun 11, 2026 | Bank of Hawaii profile → | Bank of Hawaii ↗ · Bank of Hawaii ↗ |
| 29 | Schwab | 2 | AI-powered fraud detection against AI-enabled scams: The eCrimes research and detection team is investing in AI systems that identify patterns and unusual behaviour at scale | In production (2 of 2 in production) | Jun 5, 2026 | Schwab profile → | Charles Schwab ↗ · Charles Schwab ↗ |
| 30 | BankUnited | 2 | AI-fraud awareness programme: Continuous client guidance on AI-enabled scams and AI-based fraud prevention | In production (2 of 2 in production) | Jun 4, 2026 | BankUnited profile → | BankUnited ↗ · BankUnited ↗ |
| 31 | Merchants Bank of Indiana | 2 | Mortgage-fraud exposure in multifamily lending: Mortgage fraud or suspected fraud by borrowers contributed to a $43.1 million rise in the Q2 2025 provision and $46.1… | In production (2 of 2 in production) | Apr 28, 2026 | Merchants Bank of Indiana profile → | Merchants Bank of Indiana ↗ · Merchants Bancorp (PR Newswire) ↗ |
| 32 | Zions | 2 | AI in targeted fraud-detection workflows: Named by management as an early targeted use | In production (2 of 2 in production) | Mar 10, 2026 | Zions profile → | American Banker ↗ · Yahoo Finance ↗ |
| 33 | Banc of California | 2 | Generative-AI voice-authentication fraud exposure: Both the 2024 and 2025 10-Ks say generative AI makes fraud detection harder, particularly for voice recognition and… | In production (2 of 2 in production) | Feb 27, 2026 | Banc of California profile → | Banc of California ↗ · SEC EDGAR ↗ |
| 34 | Busey Bank | 2 | AI-powered fraud detection (Verafin named in the FY2024 10-K): The FY2024 10-K cites 'artificial intelligence-powered tools, such as Verafin' as additional layers of fraud detection | In production (2 of 2 in production) | Feb 26, 2026 | Busey Bank profile → | Busey Bank ↗ · Busey Bank ↗ |
| 35 | National Bank Holdings | 2 | AI-enabled fraud as a threat: The 10-K says the widespread use of AI has increased potential for fraud and misuse and that the bank maintains fraud… | In production (2 of 2 in production) | Feb 24, 2026 | National Bank Holdings profile → | National Bank Holdings Corporation (SEC filing) ↗ · earnings call transcript (The Motley Fool) ↗ |
| 36 | Bread Financial | 2 | AI-enabled fraud and cyber threats: The 10-K says generative AI, including synthetic voice, adds identity-fraud risk and that threat actors use AI against… | In production (2 of 2 in production) | Feb 13, 2026 | Bread Financial profile → | Bread Financial Holdings (SEC filing) ↗ |
| 37 | Enterprise Bank & Trust | 2 | AI-fraud awareness for business clients: October 2025 guidance on voice and face cloning, AI-written phishing and fake IDs | In production (2 of 2 in production) | Dec 17, 2025 | Enterprise Bank & Trust profile → | Enterprise Bank & Trust ↗ · Enterprise Bank & Trust ↗ |
| 38 | Atlantic Union | 2 | Socure machine-learning identity verification: Listed in the bank's technology stack as an automated machine-learning identity-verification and fraud-management tool | In production (2 of 2 in production) | Dec 10, 2025 | Atlantic Union profile → | Atlantic Union Bankshares (SEC filings) ↗ · Atlantic Union Bank ↗ |
| 39 | WaFd Bank | 2 | Voice-print verified consumer wires: Consumer wires in the mobile app are verified by device ID plus the client's voice print for $10 | In production (2 of 2 in production) | Oct 17, 2025 | WaFd Bank profile → | WaFd Bank ↗ · Investing.com (earnings call transcript) ↗ |
| 40 | Western Alliance | 2 | ClaimScore AI claim validation inside the Triangle: A third-party AI scoring engine supplies claim scores and real-time reporting to settlement administrators and feeds… | In production (2 of 2 in production) | May 23, 2025 | Western Alliance · fraud and credit ai → | American Banker ↗ · Western Alliance Bank ↗ |
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 fraud. Score = matching use cases. Order: matching use cases, then those in production, then the strongest stage, then the newest source.
Counts: 108 of 141 profiled banks qualify; the table shows the top 40; 78 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?
Commonwealth Bank of Australia leads with 5 use cases: NameCheck payee verification on first-time payments: AI and matching logic check payee account details on first-time payments and prompt the customer on a mismatch. Citi is second with 4.
How many large banks describe AI use cases for fraud detection?
108 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 40. Among those listed, 38 are US banks and 2 non-US groups.
What counts, and what does not?
Use cases tagged fraud. 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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