# Which large banks lead in responsible AI?

Source: https://www.bankingnewsai.com/banks/leaders/responsible-ai
Last updated: Oct 15, 2026


Data as of Oct 6, 2026 · 140 banks profiled · 106 with evidence · 81 sources cited.

On what they have put on the record, the large banks leading in responsible AI are Citizens Business Bank, Synchrony, Banner Bank, Barclays and TD Bank Group: Citizens Business Bank (AI Policy, Policy Framework and AI Governance Council · AI Governance Council approval…); Synchrony (Board Technology Committee oversight of generative and agentic AI · Responsible AI…); Banner Bank (Generative AI policy and Fintech Council vetting · Model Risk team under the Chief Risk…); Barclays (AI Policy, AI Standard and Group AI Governance Council · Model risk framework aligned to…); TD Bank Group (Responsible AI Principles and Trustworthy AI team · AI inside the model risk and…). 92 of the 140 profiled banks name an AI governance structure (a responsible-AI framework or principles, an AI risk committee or council, board oversight, or model validation extended to AI); 34 name an officer whose role is AI governance, AI risk, model risk or responsible AI. Disclosure of governance is not proof that it works.

## Which banks have named AI governance structures, officers and principles?

The 30 highest of 106 banks with any responsible-AI evidence on their page: named governance use cases (model-risk or governance entries mentioning a framework, principles, committee, council, board oversight, validation or guardrails), leaders whose role is AI governance, AI or model risk, or responsible AI, and dated governance moves.

| # | Bank | Named governance structures | Responsible-AI / AI-risk officer | Latest governance move | Score | Status | Date | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | AI Policy, Policy Framework and AI Governance Council · AI Governance Council approval and monitoring of AI models | David C. Harvey, Executive Vice President and Chief Operating Officer…; Mike K. Currie, Senior Vice President and Chief Information Officer…; Rudy I. Ramirez, Senior Vice President and Chief Information Security… | Proxy statement describes the AI Policy Framework and AI Governance Council (Apr 7, 2026) | 13 | In production | Apr 7, 2026 | [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm); [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm); [Citizens Business Bank](https://cbbank.com/about-us/leadership-team) |
| 2 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Board Technology Committee oversight of generative and agentic AI · Responsible AI Working Group and generative-AI risk oversight | Nimrod Barak, Chief AI Officer (effective 30 June 2026; previously…; Tim Christensen, Chief Information Officer (so titled in September 2025; in… | Responsible AI Working Group and a $5 billion technology base (Oct 22, 2025) | 10 | In production | Aug 13, 2026 | [Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000017/0001601712-26-000017.txt); [Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm); [Synchrony](https://synchrony.com/contenthub/insights/linkedin-post-by-carol-juel.html) |
| 3 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Generative AI policy and Fintech Council vetting · Model Risk team under the Chief Risk Officer | Dan Oxford, Executive Vice President, Chief Risk Officer (since… | 2025 corporate responsibility report: Gen AI policy and Fintech Council vetting (Jul 14, 2026) | 10 | In production | Jul 14, 2026 | [Banner Bank](https://bannerbank.com/-/media/project/banner-bank/dotcom/pdfs/banner-bank-cr-report.pdf?hash=EA2EA119CE34A25FB9880D8A8E6904BB&rev=9cab54a993c14518a2ee643d1a805a11); [Banner Bank](https://www.bannerbank.com/-/media/project/banner-bank/dotcom/pdfs/2025-corporate-responsibility-report.pdf?rev=306e470dcd7e4c149eba13a7496449aa&sc_lang=en&hash=27D60D9F813F59143BFA1C40256120EB); [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000114/banr-20260330.htm) |
| 4 | [Barclays](https://www.bankingnewsai.com/banks/barclays) | AI Policy, AI Standard and Group AI Governance Council · Model risk framework aligned to PRA SS1/23 with AI validation | Lisa Farkovits, Managing Director and Global Head of Model Risk and AI…; Taalib Shaah, Group Chief Risk Officer (the Global Head of Model Risk… | Model and AI risk head profiled by American Banker (Aug 25, 2026) | 10 | In production | Aug 25, 2026 | [Barclays PLC (SEC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm); [American Banker](https://the-most-powerful-women-in-banking.americanbanker.com/profile/lisa-farkovits) |
| 5 | [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | Responsible AI Principles and Trustworthy AI team · AI inside the model risk and three-lines-of-defence framework | Jesse Cresswell, Staff Machine Learning Scientist, Layer 6; leads the… | Responsible AI Principles introduced (Jul 30, 2026) | 10 | In production | Jul 30, 2026 | [TD Bank Group](https://stories.td.com/ca/en/news/2026-07-30-td-strengthens-its-responsible-ai-principles-to-support-trus); [TD Bank Group](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend); [TD Bank Group (SEC filing)](https://www.sec.gov/Archives/edgar/data/947263/000156276225000289/ex992.htm) |
| 6 | [FNB](https://www.bankingnewsai.com/banks/fnb) | Ethical and compliant AI strategy · AI Policy, Data and AI Governance Committee and employee training | Santosh Sinha, SVP, Director of AI and Innovation (works with the Data…; Heidi A. Nicholas, Director; Chair of the Board Risk Committee, which… | Proxy: Board Risk Committee oversees AI governance (Mar 25, 2026) | 9 | Rolling out | Mar 25, 2026 | [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918); [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm) |
| 7 | [Ally](https://www.bankingnewsai.com/banks/ally) | AI risk-factor disclosure · Four-layer AI governance | no responsible-AI or AI-risk officer named | CRO: AI should be 'an accelerant', not just something to control (Oct 1, 2026) | 8 | In production | Oct 1, 2026 | [Ally Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/40729/000004072926000005/ally-20251231.htm); [Ally Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/40729/000004072926000017/ally-20260630.htm); [Banking Dive](https://bankingdive.com/news/ally-cio-muthukrishnan-banking-agentic-ai-tech/760279) |
| 8 | [UBS (US)](https://www.bankingnewsai.com/banks/ubs-usa) | UBS Claves platform and AI risk committee · RiskLab model development and validation (Domino) · AI framework with risk appetite metrics | Daniele Magazzeni, Group Chief AI Officer (from 1 January 2026, ex-JPMorgan) | no dated governance move | 8 | In production | Oct 13, 2026 | [UBS](https://www.ubs.com/global/en/our-firm/what-we-do/technology/innovation-and-ai.html); [Domino Data Lab (PR Newswire)](https://www.prnewswire.com/news-releases/ubs-invests-in-domino-data-lab-deepening-strategic-partnership-to-drive-next-wave-of-enterprise-ai-innovation-302534775.html); [UBS Group (SEC filings)](https://www.sec.gov/Archives/edgar/data/1610520/000161052026000023/ubs-20251231.htm) |
| 9 | [UMB](https://www.bankingnewsai.com/banks/umb) | AI oversight through the TOPS committee · Board Risk Committee oversight of AI | Uma Wilson, EVP, Chief Information, Bank Product and Operations…; Justin Rainey, SVP, Chief Information Security Officer and Chief Privacy… | no dated governance move | 8 | In production | Mar 12, 2026 | [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm); [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm); [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank) |
| 10 | [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | Group AI Committee, AI Risk Committee and responsible-AI principles | Charles Holive, Chief AI Officer, Corporate & Institutional Banking (named…; Jean-Michel Garcia, Group Chief Technology Officer (describes the AI factory… | Responsible AI principles published (Jul 21, 2026) | 8 | In production | Jul 23, 2026 | [BNP Paribas](https://invest.bnpparibas/en/document/universal-registration-document-annual-financial-report-2025-pdf); [BNP Paribas](https://group.bnpparibas/en/news/responsible-ai-at-bnp-paribas-innovating-with-purpose-and-confidence); [BNP Paribas](https://invest.bnpparibas/document/2q26-slides) |
| 11 | [Banco Santander](https://www.bankingnewsai.com/banks/santander) | no governance structure named | Iñaki Bernal, Chief AI Officer, Grupo Santander; Glenn H. Hutchins, Board director and chair of the innovation and technology…; Luis Ibáñez, Head of Responsible AI, Banco Santander | Responsible AI team publishes its approach to refusals (Jul 23, 2026) | 8 | Officer named | Jul 23, 2026 | [Banco Santander](https://santander.com/en/press-room/press-releases/2026/06/santander-and-the-csic-join-forces-to-spearhead-research-into-advanced-and-responsible-ai-for-the-future-of-banking); [Banco Santander](https://santander.com/content/dam/santander-com/en/documentos/informe-financiero-anual/2025/ifa-2025-consolidated-annual-financial-report-en.pdf); [Banco Santander](https://santander.com/en/stories/designing-conversational-ai-that-knows-when-to-say-no) |
| 12 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Data-first model for responsible AI scaling · Per-initiative AI governance review (10-K risk factor) | no responsible-AI or AI-risk officer named | Vanilla case study: AI trust-document review (Aug 13, 2026) | 7 | In production | Aug 13, 2026 | [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota); [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm); [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster) |
| 13 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | AI Working Group · Board Risk Committee oversight of AI risk | Frank E. Bertucci, Chair of the Board Risk Committee, which oversees… | 10-K discloses AI governance (Feb 27, 2026) | 7 | In production | Mar 17, 2026 | [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm); [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm) |
| 14 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Standardised AI risk framework and AI Innovation Lab · AI charter, acceptable-use policy and use-case scoring | Carlos Coto, Chief Strategy and Innovation Officer (leads AI and… | AI charter, acceptable-use policy and 'First Pass' training (Jul 15, 2024) | 7 | In production | Jan 22, 2026 | [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf); [ICBA (Independent Banker)](https://icba.org/w/customers-bank-s-dynamic-ai-strategy); [American Banker](https://digital-banking.americanbanker.com/profile/carlos-coto) |
| 15 | [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | Group AI Policy, Standard and AI Risk Committee · Central AI platform, guardrails and token-cost control | Ranil Boteju, Chief AI Officer (previously Group Chief Data and… | Australian-first AI adoption report (Feb 4, 2026) | 7 | In production | Sep 18, 2026 | [Commonwealth Bank of Australia](https://commbank.com.au/content/dam/commbank-assets/investors/2026/CBA-2026-Annual-Report-print.pdf); [Commonwealth Bank of Australia](https://commbank.com.au/articles/newsroom/2026/02/cba-approach-to-adopting-ai-report-announcement.html); [Retail Banker International (via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/interview-cba-ai-chief-scaling-091319695.html) |
| 16 | [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | AI ethics principles, Data and AI Ethics Committee and AI Assurance Framework | Suzanne Brink, Head of Responsible AI (AI Centre of Excellence); Ranil Boteju, Former Group Chief Data and Analytics Officer (joined… | Responsible AI team expands (Apr 20, 2026) | 7 | In production | Apr 20, 2026 | [Lloyds Banking Group (SEC filing)](https://sec.gov/Archives/edgar/data/1160106/000116010626000010/lyg-20251231.htm); [Lloyds Banking Group](https://lloydsbankinggroup.com/media/press-releases/2026/lloyds/responsible-ai-expertise.html); [Commonwealth Bank of Australia](https://www.commbank.com.au/articles/newsroom/2025/11/ranil-boteju-chief-ai-officer.html) |
| 17 | [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | AI Safety Council and tiered evaluation of AI systems · Responsible AI standard and Responsible AI Council | Mohammed Rahim, Group Chief Data Officer at the SC GPT launch and in July… | Responsible AI standard and council described (Jul 24, 2025) | 7 | In production | Feb 24, 2026 | [Standard Chartered PLC](https://sc.com/en/uploads/sites/66/content/docs/standard-chartered-plc-2025-annual-report.pdf); [Standard Chartered PLC](https://www.sc.com/en/news/innovation/developing-safe-and-human-centric-ai/); [Standard Chartered PLC](https://sc.com/en/press-release/standard-chartered-rolls-out-sc-gpt-advancing-ai-driven-innovation-in-banking) |
| 18 | [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | AI risk directive, Responsible AI Forum and model validation · Board oversight and approved-tools rule | no responsible-AI or AI-risk officer named | Evident AI Index 2026: top 20 overall, #2 for reported outcomes (Oct 6, 2026) | 7 | In production | Oct 6, 2026 | [Bank of Montreal (SEC filing)](https://www.sec.gov/Archives/edgar/data/927971/000119312525307982/d938207dex992.htm); [Bank of Montreal (SEC filing)](https://www.sec.gov/Archives/edgar/data/927971/000119312526102176/d63354dex991.htm); [Bank of Montreal (SEC filing)](https://www.sec.gov/Archives/edgar/data/927971/000119312526105793/d76162dex991.htm) |
| 19 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | AI risk management under the model lifecycle · Agent observability and guardrails | no responsible-AI or AI-risk officer named | Responsible AI Principles published (Jul 30, 2026) | 6 | In production | Sep 22, 2026 | [TD Bank Group (SEC filing)](https://www.sec.gov/Archives/edgar/data/947263/000156276225000289/ex992.htm); [American Banker](https://www.americanbanker.com/news/banks-batten-down-the-hatches-for-rogue-ai-agent-swarms); [TD Bank Group](https://stories.td.com/ca/en/news/2026-07-30-td-strengthens-its-responsible-ai-principles-to-support-trus) |
| 20 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Responsible AI framework · AI risk directive, Responsible AI Forum and model validation | no responsible-AI or AI-risk officer named | Evident AI Index 2026: top 20 overall, #2 for AI outcomes (Oct 6, 2026) | 6 | In production | Oct 6, 2026 | [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028); [Bank of Montreal (SEC filing)](https://www.sec.gov/Archives/edgar/data/927971/000119312525307982/d938207dex992.htm); [Bank of Montreal (SEC filing)](https://www.sec.gov/Archives/edgar/data/927971/000119312526102176/d63354dex991.htm) |
| 21 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Integrated AI governance workflow · Head of AI with AI risk governance background | Robert Martin, SVP, Distinguished Engineer, Head of AI and Engineering… | no dated governance move | 6 | In production | Jun 15, 2026 | [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx); [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-N-A--EXPANDS-TECHNOLOGY-LEADERSHIP-TEAM-ACCELERATING-THE-BANKS-TECHNOLOGY-ARCHITECTURE/default.aspx); [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000039/fbc-20260430.htm) |
| 22 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Office of Digital Innovation and AI governance framework | no responsible-AI or AI-risk officer named | September deck: AI governance model still 'in process' (Sep 8, 2026) | 6 | Rolling out | Sep 8, 2026 | [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html); [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html); [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm) |
| 23 | [RBC](https://www.bankingnewsai.com/banks/rbc) | Responsible AI principles and Board oversight · FINOS AI Fund for agentic AI governance | no responsible-AI or AI-risk officer named | OSFI bulletin on generative and agentic AI (Jul 16, 2026) | 6 | In production | Oct 6, 2026 | [Royal Bank of Canada](https://www.rbc.com/our-impact/technology/artificial-intelligence.html); [Royal Bank of Canada (SEC filing)](https://sec.gov/Archives/edgar/data/1000275/000119312525305934/d73208dex991.pdf); [Fintech Open Source Foundation](https://finos.org/press/finos-launches-ai-fund) |
| 24 | [BBVA](https://www.bankingnewsai.com/banks/bbva) | MLOps architecture with AWS inside ADA · Responsible-AI framework and AI transition indicator | Clara Higuera, Responsible AI Lead | no dated governance move | 6 | In production | Jul 30, 2026 | [BBVA](https://bbva.com/en/innovation/bbva-develops-a-new-technology-architecture-with-aws-to-accelerate-its-ai-solutions); [BBVA](https://bbva.com/en/innovation/bbvas-eight-responsible-ai-principles); [Yahoo Finance](https://finance.yahoo.com/quote/BBVA/earnings/BBVA-Q2-2026-earnings_call-550352.html) |
| 25 | [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | Data ethics and AI governance · AI Risk Management Policy and model risk framework | no responsible-AI or AI-risk officer named | C$2.5 million for Queen's University AI centre (Jun 18, 2026) | 6 | In production | Jun 18, 2026 | [Scotiabank (CNW via Yahoo Finance)](https://finance.yahoo.com/news/scotiabank-launches-scotia-intelligence-empowering-145000695.html); [Scotiabank (The Bank of Nova Scotia)](https://www.scotiabank.com/content/dam/scotiabank/corporate/quarterly-reports/2025/q4/Scotiabank-194th-Management-Proxy-Circular-EN-AODA.pdf); [Scotiabank (The Bank of Nova Scotia)](https://scotiabank.com/content/dam/scotiabank/corporate/quarterly-reports/2025/q4/Annual_Report_2025_EN.pdf) |
| 26 | [Truist](https://www.bankingnewsai.com/banks/truist) | AI risk management on the NIST AI RMF | Joy Middleton-Saulny, AI & Data Executive (quoted on responsible AI in the June… | 10-K: a dedicated AI risk factor and a NIST-based AI program (Feb 24, 2026) | 5 | In production | Feb 24, 2026 | [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm); [Truist](https://ir.truist.com/2026-06-11-Truist-patent-boom-fueled-by-AI-machine-learning) |
| 27 | [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | AI Risk Program and model-risk coverage of AI · Board oversight and AI briefings | no responsible-AI or AI-risk officer named | 'Scaled AI governance and capabilities' (Jan 22, 2026) | 5 | In production | Mar 11, 2026 | [Northern Trust (SEC filings)](https://www.sec.gov/Archives/edgar/data/73124/000007312426000016/ntrs-20251231.htm); [Northern Trust (SEC filings)](https://www.sec.gov/Archives/edgar/data/73124/000007312426000022/ntrs-20260311.htm); [Northern Trust](https://northerntrust.com/content/dam/northerntrust/pws/nt/documents/earnings/2025/4q-2025-km040886-presentation.pdf) |
| 28 | [HSBC USA](https://www.bankingnewsai.com/banks/hsbc-usa) | AI in the US model-risk and risk-factor framework | David Rice, Group Chief AI Officer (from 1 April 2026) | HSBC USA 10-K flags AI model, fraud and cyber risk (Feb 25, 2026) | 5 | In production | Feb 25, 2026 | [HSBC USA Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/83246/000008324626000005/hsbcusa-20251231.htm); [Banking Dive](https://bankingdive.com/news/hsbc-david-rice-ai-chief-cto-mario-shamtani-expanded-role-elhedery/815655) |
| 29 | [USAA](https://www.bankingnewsai.com/banks/usaa) | Model risk validation and ongoing monitoring of AI solutions · OCC-mandated risk governance, fraud and third-party programmes | no responsible-AI or AI-risk officer named | TechTarget interview: EagleGPT, code assist and an AI council (May 13, 2025) | 5 | In production | Feb 27, 2026 | [TechTarget](https://www.techtarget.com/ai/news/366623771/USAA-takes-an-experiment-and-see-approach-with-AI); [Office of the Comptroller of the Currency](https://occ.gov/static/enforcement-actions/eaAA-ENF-2024-96.pdf); [San Antonio Express-News (Yahoo Finance)](https://finance.yahoo.com/news/usaa-federal-savings-bank-bounces-110000763.html) |
| 30 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | AI risk factor and board oversight | Terry Akins, Chief Risk Officer (as named in October 2024); the CRO's… | 2025 10-K: accelerating data and responsible AI (Feb 26, 2026) | 5 | In production | Mar 16, 2026 | [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm); [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000063/fhn-20260316.htm); [American Banker](https://americanbanker.com/news/the-most-powerful-women-in-banking-top-team-first-horizon) |

## What have the banks named: councils, committees, frameworks, principles?

Every named structure in the ranking, one per row, with its stage and the newest source date.

| Bank | Structure | Stage | Date |
| --- | --- | --- | --- |
| [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | AI Policy, Policy Framework and AI Governance Council | In production | Apr 7, 2026 |
| [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | AI Governance Council approval and monitoring of AI models | In production | Apr 7, 2026 |
| [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Board Technology Committee oversight of generative and agentic AI | In production | Apr 29, 2026 |
| [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Responsible AI Working Group and generative-AI risk oversight | In production | Aug 13, 2026 |
| [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Generative AI policy and Fintech Council vetting | In production | Jul 14, 2026 |
| [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Model Risk team under the Chief Risk Officer | In production | Apr 6, 2026 |
| [Barclays](https://www.bankingnewsai.com/banks/barclays) | AI Policy, AI Standard and Group AI Governance Council | In production | Feb 10, 2026 |
| [Barclays](https://www.bankingnewsai.com/banks/barclays) | Model risk framework aligned to PRA SS1/23 with AI validation | In production | Feb 10, 2026 |
| [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | Responsible AI Principles and Trustworthy AI team | In production | Jul 30, 2026 |
| [TD Bank Group](https://www.bankingnewsai.com/banks/td-bank-group) | AI inside the model risk and three-lines-of-defence framework | In production | Dec 4, 2025 |
| [FNB](https://www.bankingnewsai.com/banks/fnb) | Ethical and compliant AI strategy | Rolling out | Sep 18, 2025 |
| [FNB](https://www.bankingnewsai.com/banks/fnb) | AI Policy, Data and AI Governance Committee and employee training | Rolling out | Mar 25, 2026 |
| [Ally](https://www.bankingnewsai.com/banks/ally) | AI risk-factor disclosure | In production | Jul 23, 2026 |
| [Ally](https://www.bankingnewsai.com/banks/ally) | Four-layer AI governance | In production | Sep 17, 2025 |
| [UBS (US)](https://www.bankingnewsai.com/banks/ubs-usa) | UBS Claves platform and AI risk committee | Rolling out | Oct 13, 2026 |
| [UBS (US)](https://www.bankingnewsai.com/banks/ubs-usa) | RiskLab model development and validation (Domino) | Rolling out | Aug 21, 2025 |
| [UBS (US)](https://www.bankingnewsai.com/banks/ubs-usa) | AI framework with risk appetite metrics | In production | Mar 9, 2026 |
| [UMB](https://www.bankingnewsai.com/banks/umb) | AI oversight through the TOPS committee | In production | Feb 26, 2026 |
| [UMB](https://www.bankingnewsai.com/banks/umb) | Board Risk Committee oversight of AI | In production | Mar 12, 2026 |
| [BNP Paribas](https://www.bankingnewsai.com/banks/bnp-paribas) | Group AI Committee, AI Risk Committee and responsible-AI principles | In production | Jul 23, 2026 |
| [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Data-first model for responsible AI scaling | Rolling out | Mar 24, 2026 |
| [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Per-initiative AI governance review (10-K risk factor) | In production | Feb 18, 2026 |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | AI Working Group | In production | Feb 27, 2026 |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Board Risk Committee oversight of AI risk | In production | Mar 17, 2026 |
| [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Standardised AI risk framework and AI Innovation Lab | In production | Jan 22, 2026 |
| [Customers Bank](https://www.bankingnewsai.com/banks/customers) | AI charter, acceptable-use policy and use-case scoring | In production | Jul 15, 2024 |
| [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | Group AI Policy, Standard and AI Risk Committee | In production | Aug 12, 2026 |
| [Commonwealth Bank](https://www.bankingnewsai.com/banks/commonwealth-bank) | Central AI platform, guardrails and token-cost control | Rolling out | Sep 18, 2026 |
| [Lloyds](https://www.bankingnewsai.com/banks/lloyds) | AI ethics principles, Data and AI Ethics Committee and AI Assurance Framework | In production | Apr 20, 2026 |
| [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | AI Safety Council and tiered evaluation of AI systems | In production | Feb 24, 2026 |
| [Standard Chartered](https://www.bankingnewsai.com/banks/standard-chartered) | Responsible AI standard and Responsible AI Council | In production | Jul 24, 2025 |
| [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | AI risk directive, Responsible AI Forum and model validation | In production | Dec 4, 2025 |
| [BMO Financial Group](https://www.bankingnewsai.com/banks/bmo-group) | Board oversight and approved-tools rule | In production | Mar 13, 2026 |
| [TD](https://www.bankingnewsai.com/banks/td-bank-us) | AI risk management under the model lifecycle | In production | Dec 4, 2025 |
| [TD](https://www.bankingnewsai.com/banks/td-bank-us) | Agent observability and guardrails | In production | Sep 22, 2026 |
| [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Responsible AI framework | In production | Aug 6, 2026 |
| [BMO](https://www.bankingnewsai.com/banks/bmo-us) | AI risk directive, Responsible AI Forum and model validation | In production | Mar 11, 2026 |
| [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Integrated AI governance workflow | In production | Jun 15, 2026 |
| [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Head of AI with AI risk governance background | In production | Apr 30, 2026 |
| [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Office of Digital Innovation and AI governance framework | Rolling out | Sep 8, 2026 |
| [RBC](https://www.bankingnewsai.com/banks/rbc) | Responsible AI principles and Board oversight | In production | Oct 5, 2026 |
| [RBC](https://www.bankingnewsai.com/banks/rbc) | FINOS AI Fund for agentic AI governance | Announced | Oct 6, 2026 |
| [BBVA](https://www.bankingnewsai.com/banks/bbva) | MLOps architecture with AWS inside ADA | Rolling out | Jun 5, 2026 |
| [BBVA](https://www.bankingnewsai.com/banks/bbva) | Responsible-AI framework and AI transition indicator | In production | Jul 30, 2026 |
| [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | Data ethics and AI governance | In production | Apr 13, 2026 |
| [Scotiabank](https://www.bankingnewsai.com/banks/scotiabank) | AI Risk Management Policy and model risk framework | In production | Feb 17, 2026 |
| [Truist](https://www.bankingnewsai.com/banks/truist) | AI risk management on the NIST AI RMF | In production | Feb 24, 2026 |
| [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | AI Risk Program and model-risk coverage of AI | In production | Feb 24, 2026 |
| [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | Board oversight and AI briefings | In production | Mar 11, 2026 |
| [HSBC USA](https://www.bankingnewsai.com/banks/hsbc-usa) | AI in the US model-risk and risk-factor framework | In production | Feb 25, 2026 |
| [USAA](https://www.bankingnewsai.com/banks/usaa) | Model risk validation and ongoing monitoring of AI solutions | In production | May 13, 2025 |
| [USAA](https://www.bankingnewsai.com/banks/usaa) | OCC-mandated risk governance, fraud and third-party programmes | Rolling out | Feb 27, 2026 |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | AI risk factor and board oversight | In production | Mar 16, 2026 |

## How is this ranking computed?

Score = 2 × named governance structures (use cases tagged model-risk or governance-general whose text names a responsible-AI framework or principles, an AI risk committee, council or programme, board oversight, validation or guardrails) + 2 × named leaders whose role contains responsible AI, AI governance, AI risk, model risk, AI policy, ethics or chief AI officer + dated timeline moves on those subjects (capped at 4). Ties by assets.

The structure pattern is the same one the AI index page uses for its responsible-AI section, so the two agree on who qualifies; this page adds officers and dated moves and ranks on all three.

## What are the caveats?

This ranks disclosure of governance, not its quality. A bank with a quiet, effective model-risk function that never named it scores zero here; a bank that publishes principles it does not enforce scores well. Regulators' expectations (SR 11-7, the EU AI Act, NIST AI RMF) are the standard; the AI governance hub covers them.

Officer titles are quoted as the bank gives them; a chief data officer who owns AI risk without the words in the title is not counted.

## How does this differ from the AI index?

The AI index has no governance component; its responsible-AI section lists the qualifying banks in index order, while this page ranks them on governance evidence alone and adds the named officers. The AI index and its method: https://www.bankingnewsai.com/banks/ai-index.

## FAQ

### Which bank leads in responsible AI?

CVB Financial Corp. has the most on the record: AI Policy, Policy Framework and AI Governance Council · AI Governance Council approval and monitoring of AI models; officer: David C. Harvey, Executive Vice President and Chief Operating Officer…; Mike K. Currie, Senior Vice President and Chief Information Officer…; Rudy I. Ramirez, Senior Vice President and Chief Information Security….

### How many banks have a chief AI officer or responsible-AI lead?

34 of the 140 profiled banks name a leader whose role is AI governance, AI or model risk, AI policy or responsible AI.

### Which banks have published AI principles?

Banks whose named structures include principles or a responsible-AI framework: Citizens Business Bank, Synchrony, Barclays, TD Bank Group, UBS (US) and BNP Paribas.

### Does a bank need an AI council to be responsible?

No; US supervisors expect AI models to sit inside the existing model-risk framework (SR 11-7 / OCC 2011-12), which every large bank has. A named AI council or principles is additional, and is what this page counts because it is what banks disclose.

### Why is a well-known bank low on this list?

Because its page records few named governance structures, officers or dated moves. Several large banks describe governance only in general terms in their 10-K, which does not name a structure.

### Where is the regulation that drives this?

The AI governance hub and the AI regulation tracker cover SR 11-7, the EU AI Act, NIST AI RMF and the supervisory letters banks cite when they name these structures.

## The other rankings

- [AI leaders](https://www.bankingnewsai.com/banks/leaders/ai): BofA, TD and Citi, by disclosure score, production use cases and named platforms.
- [Technology leaders](https://www.bankingnewsai.com/banks/leaders/technology): JPMorgan, BofA and Citi, by disclosed technology spending, technologists and cloud scale.
- [Proprietary platforms](https://www.bankingnewsai.com/banks/leaders/proprietary-ai-platforms): 99 of 140 banks name one; BofA (Erica (and EricaAssist)), TD (Layer 6 and TD AI Prism), Citi (Citi Stylus Workspaces) lead.
- [Modern technology stack](https://www.bankingnewsai.com/banks/leaders/modern-technology-stack): Arvest, Texas Capital and Deutsche Bank, by disclosed cloud migration, core modernisation and API numbers.
- [AI adoption in 2026](https://www.bankingnewsai.com/banks/leaders/ai-adoption-2026): Amex, SoFi and HSBC, by dated 2026 production rollouts and moves.
- [Research, patents and partnerships](https://www.bankingnewsai.com/banks/leaders/ai-research-patents-partnerships): USAA, TD Bank Group and BofA, by disclosed patents, research deals and model-provider partnerships.
- [Agentic AI](https://www.bankingnewsai.com/banks/leaders/agentic-ai): Amex, Commonwealth Bank and Deutsche Bank (U.S.); 76 of 140 banks have an agent in production.
- [Generative AI with customers](https://www.bankingnewsai.com/banks/leaders/generative-ai-customer-facing): 32 of 140 banks have one in production; BBVA, BNP Paribas and Société Générale lead on stage and scale.
- [Fraud and credit AI](https://www.bankingnewsai.com/banks/leaders/fraud-and-credit-ai): Zions, Citi and Western Alliance; 104 banks run fraud AI and 57 credit AI in production.
- [All ten rankings](https://www.bankingnewsai.com/banks/leaders)

---

Canonical page: https://www.bankingnewsai.com/banks/leaders/responsible-ai
Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (41 authorities, 238 documents) and AI-strategy profiles of the 120 largest US banks. Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.