AI governance · 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, 87 of the 141 large banks profiled record an AI governance committee, council, board, office or forum on their profile. Ranked by matching entries, the top 5 are Lloyds (10 entries), Old National (8 entries), Citizens Business Bank (8 entries), HSBC (6 entries) and Flagstar (6 entries). Lloyds's strongest evidence: AI ethics principles, Data and AI Ethics Committee and AI Assurance Framework (use case, in production, Apr 20, 2026).
141 banks profiled (120 US, 21 non-US) · 87 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks have an AI governance committee, council or ethics board?
| # | Bank | Matching entries | Strongest entry | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | Lloyds | 10 | AI ethics principles, Data and AI Ethics Committee and AI Assurance Framework (use case, in production, Apr 20, 2026) | In production | Apr 20, 2026 | Lloyds profile → | Lloyds Banking Group (SEC filing) ↗ · Lloyds Banking Group ↗ |
| 2 | Old National | 8 | AI Center of Excellence: acceptable use and AI inventory (use case, in production, May 19, 2026) | In production | May 19, 2026 | Old National profile → | Old National Bank ↗ · The Motley Fool (Yahoo Finance) ↗ |
| 3 | Citizens Business Bank | 8 | AI Policy, Policy Framework and AI Governance Council (use case, in production, Apr 7, 2026) | In production | Apr 7, 2026 | Citizens Business Bank profile → | CVB Financial Corp. (SEC filings) ↗ · CVB Financial Corp. (SEC filings) ↗ |
| 4 | HSBC | 6 | AI Review Committee and hub-and-spoke governance (use case, in production, Oct 5, 2026) | In production | Oct 5, 2026 | HSBC profile → | HSBC Holdings plc ↗ · HSBC Holdings plc ↗ |
| 5 | Flagstar | 6 | AI strategy committee and tiered model routing (use case, in production, Jul 30, 2026) | In production | Jul 30, 2026 | Flagstar · responsible ai → | American Banker ↗ · Cognizant (PR Newswire) ↗ |
| 6 | Hancock Whitney | 6 | Board Risk Committee oversight of AI risk (use case, in production, Mar 17, 2026) | In production | Mar 17, 2026 | Hancock Whitney profile → | Hancock Whitney (SEC filings) ↗ · Hancock Whitney (SEC filings) ↗ |
| 7 | First Horizon | 6 | AI risk factor and board oversight (use case, in production, Mar 16, 2026) | In production | Mar 16, 2026 | First Horizon profile → | First Horizon (SEC filings) ↗ · First Horizon (SEC filings) ↗ |
| 8 | UMB | 6 | Board Risk Committee oversight of AI (use case, in production, Mar 12, 2026) | In production | Mar 12, 2026 | UMB · responsible ai → | UMB Financial (SEC filings) ↗ · UMB Financial (SEC filings) ↗ |
| 9 | UBS Group AG | 5 | AI Citizen and AI Enabler learning journeys — Mandatory annual training in responsible AI plus tiered programmes: about 1,300 senior leaders, including the Group… (use case, in production, Oct 5, 2026) | In production | Oct 5, 2026 | UBS Group AG profile → | UBS Group AG ↗ · UBS Group AG ↗ |
| 10 | Synchrony | 5 | Responsible AI Working Group and generative-AI risk oversight (use case, in production, Aug 13, 2026) | In production | Aug 13, 2026 | Synchrony profile → | Synchrony ↗ · Synchrony Financial (SEC filing) ↗ |
| 11 | BNP Paribas | 5 | Group AI Committee, AI Risk Committee and responsible-AI principles (use case, in production, Jul 23, 2026) | In production | Jul 23, 2026 | BNP Paribas profile → | BNP Paribas ↗ · BNP Paribas ↗ |
| 12 | Banner Bank | 5 | Generative AI policy and Fintech Council vetting (use case, in production, Jul 14, 2026) | In production | Jul 14, 2026 | Banner Bank profile → | Banner Bank ↗ · Banner Bank ↗ |
| 13 | BankUnited | 5 | AI and Data Advisory Group — management reports on AI models and initiatives to the board's Risk Committee, and the Audit Committee receives… (use case, in production, Apr 10, 2026) | In production | Apr 10, 2026 | BankUnited profile → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 14 | BMO Financial Group | 5 | Board oversight and approved-tools rule — The board oversees AI strategy (use case, in production, Mar 13, 2026) | In production | Mar 13, 2026 | BMO Financial Group profile → | Bank of Montreal (SEC filing) ↗ · Bank of Montreal (SEC filing) ↗ |
| 15 | Huntington | 5 | AI risk factor, AI Risk Committee and board oversight (use case, in production, Mar 12, 2026) | In production | Mar 12, 2026 | Huntington · responsible ai → | Huntington Bancshares (SEC filing) ↗ · Huntington Bancshares (SEC filing) ↗ |
| 16 | U.S. Bank | 5 | In-house tools from the AI Center of Excellence (platform, May 26, 2026) | Platform | May 26, 2026 | U.S. Bank · responsible ai → | U.S. Bank ↗ · American Banker ↗ |
| 17 | ING | 4 | AI Risk Committee and Centre of Excellence (use case, in production, Oct 5, 2026) | In production | Oct 5, 2026 | ING profile → | ING Groep N.V. (SEC filing) ↗ · Computer Weekly ↗ |
| 18 | Goldman | 4 | AI risk factor and Firmwide AI Risk Committee (use case, in production, Aug 3, 2026) | In production | Aug 3, 2026 | Goldman · responsible ai → | Goldman Sachs (SEC filing) ↗ · Goldman Sachs (SEC filing) ↗ |
| 19 | OceanFirst | 4 | Automation Transformation Office, AI governance framework and board oversight (use case, in production, Jul 30, 2026) | In production | Jul 30, 2026 | OceanFirst profile → | OceanFirst Financial Corp. (SEC filings) ↗ · OceanFirst Financial Corp. (SEC filings) ↗ |
| 20 | NatWest | 4 | AI and Data Ethics Code of Conduct, AIDE triage and AI oversight — an AI Steering Committee reviews ambition and progress (use case, in production, Jul 27, 2026) | In production | Jul 27, 2026 | NatWest profile → | NatWest Group plc ↗ · NatWest Group ↗ |
| 21 | Renasant | 4 | Board technology committee given an AI remit (use case, in production, Mar 18, 2026) | In production | Mar 18, 2026 | Renasant profile → | Renasant Corporation (SEC filings) ↗ · Renasant Corporation (SEC filings) ↗ |
| 22 | Bank of Hawaii | 4 | Board and committee oversight of AI risk (use case, in production, Mar 13, 2026) | In production | Mar 13, 2026 | Bank of Hawaii profile → | Bank of Hawaii Corporation (SEC filings) ↗ · Hawaii Business Magazine (partner content, Mid-Pacific Institute) ↗ |
| 23 | Standard Chartered | 4 | AI Safety Council and tiered evaluation of AI systems (use case, in production, Feb 24, 2026) | In production | Feb 24, 2026 | Standard Chartered profile → | Standard Chartered PLC ↗ · Standard Chartered PLC ↗ |
| 24 | Barclays US | 4 | Head of AI/ML Risk and Group AI Governance Council (use case, in production, Feb 10, 2026) | In production | Feb 10, 2026 | Barclays US profile → | SEC (Barclays PLC 20-F) ↗ · Barclays ↗ |
| 25 | UBS (US) | 4 | UBS Claves platform and AI risk committee (use case, rolling out, Oct 13, 2026) | Rolling out | Oct 13, 2026 | UBS (US) profile → | UBS ↗ · UBS ↗ |
| 26 | Trustmark | 4 | Board-level AI review led by the CIO (use case, announced, Jul 29, 2026) | Announced | Jul 29, 2026 | Trustmark profile → | Investing.com ↗ · Trustmark Corporation (SEC filings) ↗ |
| 27 | Popular | 3 | AI governance framework — the board Technology Committee oversees AI plans (use case, in production, Jun 11, 2026) | In production | Jun 11, 2026 | Popular profile → | Popular, Inc. ↗ · Popular, Inc. (SEC filings) ↗ |
| 28 | Seacoast Bank | 3 | Board Information Technology Committee oversight of AI risk (use case, in production, Apr 10, 2026) | In production | Apr 10, 2026 | Seacoast Bank profile → | Seacoast Banking Corporation of Florida (SEC filings) ↗ · Seacoast Banking Corporation of Florida (SEC filings) ↗ |
| 29 | Bread Financial | 3 | AI Governance Council and board oversight (use case, in production, Apr 7, 2026) | In production | Apr 7, 2026 | Bread Financial profile → | Bread Financial Holdings (SEC filing) ↗ · Bread Financial Holdings (SEC filing) ↗ |
| 30 | Texas Capital | 3 | AI governance programme and working group (use case, in production, Mar 12, 2026) | In production | Mar 12, 2026 | Texas Capital profile → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 31 | BMO | 3 | AI risk directive, Responsible AI Forum and model validation (use case, in production, Mar 11, 2026) | In production | Mar 11, 2026 | BMO · responsible ai → | Bank of Montreal (SEC filing) ↗ · Bank of Montreal (SEC filing) ↗ |
| 32 | HSBC USA | 3 | AI in the US model-risk and risk-factor framework — a CRO-chaired Model Risk Committee manages model risk and the Model Risk Management function approves models used in… (use case, in production, Feb 25, 2026) | In production | Feb 25, 2026 | HSBC USA profile → | HSBC USA Inc. (SEC filing) ↗ · HSBC ↗ |
| 33 | Barclays | 3 | AI Policy, AI Standard and Group AI Governance Council (use case, in production, Feb 10, 2026) | In production | Feb 10, 2026 | Barclays profile → | Barclays PLC (SEC 20-F) ↗ · Yahoo Finance (Quartr) ↗ |
| 34 | Raymond James | 3 | Chief AI officer and AI strategy office (use case, in production, Sep 8, 2025) | In production | Sep 8, 2025 | Raymond James profile → | GlobeNewswire via FT Markets ↗ · Raymond James ↗ |
| 35 | Optum Bank | 3 | United AI Studio and Responsible AI Board (use case, in production, Jul 16, 2025) | In production | Jul 16, 2025 | Optum Bank profile → | Forbes ↗ |
| 36 | USAA | 3 | Model risk validation and ongoing monitoring of AI solutions — After AI council intake, a model risk management function validates that each solution performs as expected and a… (use case, in production, May 13, 2025) | In production | May 13, 2025 | USAA · responsible ai → | TechTarget ↗ · SiliconANGLE ↗ |
| 37 | FNB | 3 | AI Policy, Data and AI Governance Committee and employee training (use case, rolling out, Mar 25, 2026) | Rolling out | Mar 25, 2026 | FNB · responsible ai → | F.N.B. Corporation (SEC filings) ↗ · F.N.B. Corporation ↗ |
| 38 | Ally | 3 | 2026 proxy adds AI oversight detail — Names the Technology Committee as primary AI overseer, lists the Enterprise AI Risk Management Policy, Generative AI… (move, Mar 18, 2026) | Mentioned | Mar 18, 2026 | Ally · responsible ai → | Ally Financial (SEC filings) ↗ · Banking Dive ↗ |
| 39 | RBC | 2 | Responsible AI principles and Board oversight (use case, in production, Oct 5, 2026) | In production | Oct 5, 2026 | RBC profile → | Royal Bank of Canada ↗ · Royal Bank of Canada (SEC filing) ↗ |
| 40 | Columbia | 2 | Responsible AI Working Group and ServiceNow AI Control Tower (use case, in production, Sep 19, 2026) | In production | Sep 19, 2026 | Columbia profile → | Columbia Banking System ↗ |
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.
Rule: Entries matching an AI (governance, risk, ethics or oversight) committee, council, board, office, forum or steering group, a responsible-AI council, or a model risk committee. Score = matching entries; ties to banks with a matching use case in production.
Counts: 87 of 141 profiled banks qualify; the table shows the top 40; 75 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?
Lloyds Banking Group leads with 10 entries: AI ethics principles, Data and AI Ethics Committee and AI Assurance Framework (use case, in production, Apr 20, 2026). Old National is second with 8.
How many large banks have an AI governance committee or council?
87 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 40. Among those listed, 30 are US banks and 10 non-US groups.
What counts, and what does not?
Entries matching an AI (governance, risk, ethics or oversight) committee, council, board, office, forum or steering group, a responsible-AI council, or a model risk committee. Score = matching entries; ties to banks with a matching use case in production. Source: the 141 bank profiles on this site (lib/banks), every entry dated and sourced.
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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