# PNC Financial Services: Responsible AI

Source: https://www.bankingnewsai.com/banks/pnc/responsible-ai
Last updated: Oct 16, 2026

*Part of the [PNC Financial Services AI strategy profile](https://www.bankingnewsai.com/banks/pnc).*

## How does PNC govern responsible AI?

PNC publishes Responsible AI Principles on pnc.com: accountability; transparency, explainability and accuracy; inclusion; fairness; reliability and security; and privacy, applied through 'a prudent, human-centric approach' with human-in-the-loop review where applicable. A Responsible AI Working Group managed by Model Risk Management reports periodically to the Operational Risk Committee, and the bank says it is self-assessing against the NIST AI requirements and lists responsible AI among its nine corporate responsibility priority issues. At board level the Technology Committee oversees technology strategy and technology and data risk. The 2025 10-K, filed February 20, 2026, says AI and machine-learning models are a minority of PNC's models but increasingly used with customers and for automation, are 'often less interpretable' than traditional models and are subject to privacy, consumer-protection and equal-opportunity law. On agents, president Mark Wiedman said in September 2026 that making sure they do 'what they're supposed to do' is a top priority, and CEO Bill Demchak called third-party agents transacting in customer accounts 'incredibly unsafe' on October 15, 2026. Head of data Ned Carroll is putting the sector's data 'nutrition label' into practice. ([PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/customers/protecting-customer-privacy-and-security.html), [PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/stakeholder-engagement.html), [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000119312526102189/d62941ddef14a.htm), [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm), [American Banker](https://www.americanbanker.com/news/bofa-and-pnc-respond-to-rising-ai-fears), [PYMNTS](https://www.pymnts.com/news/banking/2026/pnc-combats-ai-enabled-deposit-flight-with-better-tech-service/), [American Banker](https://www.americanbanker.com/news/do-banks-need-a-nutrition-label-for-their-ai-model-data))

## What are PNC's responsible AI principles and who oversees them?

From PNC's corporate responsibility pages, retrieved October 15, 2026 (undated), and its 2026 proxy statement.

| Item | What it says | Body or owner | Source date | Sources |
| --- | --- | --- | --- | --- |
| Responsible AI Principles | Accountability; transparency, explainability and accuracy; inclusion; fairness; reliability and security; privacy | PNC | Retrieved October 2026 | [PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/customers/protecting-customer-privacy-and-security.html) |
| Approach | 'Prudent, human-centric'; scrutiny of data quality and model development, validation and monitoring; human-in-the-loop 'where applicable' | PNC | Retrieved October 2026 | [PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/customers/protecting-customer-privacy-and-security.html) |
| Responsible AI Working Group | Managed by Model Risk Management; gives periodic updates to the Operational Risk Committee on the principles and on alignment with evolving rules | Model Risk Management | Retrieved October 2026 | [PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/customers/protecting-customer-privacy-and-security.html) |
| NIST self-assessment | 'PNC is undergoing a self-assessment against the National Institute of Standards and Technology (NIST) AI requirements' to identify policy, procedure and control enhancements | PNC | Retrieved October 2026 | [PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/customers/protecting-customer-privacy-and-security.html) |
| Regulatory change | Regulatory Change Management assesses upcoming and finalized legislation, including state AI proposals | PNC | Retrieved October 2026 | [PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/customers/protecting-customer-privacy-and-security.html) |
| Privacy controls for AI | Reviews use of personal information against law and the principles, and monitors results, against the risks of feeding personal data into AI and of AI treating individuals differently | PNC Privacy Office | Retrieved October 2026 | [PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/customers/protecting-customer-privacy-and-security.html) |
| Priority issue | Responsible artificial intelligence is one of nine corporate responsibility priority issues | PNC | Retrieved October 2026 | [PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/stakeholder-engagement.html) |
| Board oversight | Technology Committee (chair Daniel R. Hesse; members include Argo AI founder Bryan Salesky) oversees technology strategy and technology, data and cyber risk; five meetings in 2025 | Board of directors | March 11, 2026 | [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000119312526102189/d62941ddef14a.htm) |

## What has PNC disclosed or said about AI risk?

| Item | What it says | Who | Date | Sources |
| --- | --- | --- | --- | --- |
| 10-K model risk | AI/machine-learning models are a minority of PNC's models but increasingly used with customers and for process automation; results are 'often less interpretable than traditional statistical models'; used in pricing, fraud detection, marketing, grading loans and extending credit | 2025 Form 10-K | February 20, 2026 | [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm) |
| 10-K legal exposure | AI/machine-learning use is subject to intellectual-property, privacy (including automated decision-making), consumer-protection and federal equal-opportunity law, and new AI law may limit PNC's ability to develop and use it | 2025 Form 10-K | February 20, 2026 | [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm) |
| 10-K cyber | Attack techniques are increasingly sophisticated 'including through the use of generative AI and deepfakes' | 2025 Form 10-K | February 20, 2026 | [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm) |
| Model-data nutrition labels | PNC is adopting the sector's 'nutrition label' concept for the data behind models; 'AI, absent well-organized, well-curated data, is nothing more than interesting math on a whiteboard' | Ned Carroll | September 8, 2026 | [American Banker](https://www.americanbanker.com/news/do-banks-need-a-nutrition-label-for-their-ai-model-data) |
| Agent observability | On the Hugging Face agent breakout: 'I would argue that event was observable'; over-indexing on prevention stifles innovation, on detection exposes the bank to unnecessary risk | Ned Carroll | September 14, 2026 | [American Banker](https://www.americanbanker.com/news/11-ways-banks-can-counter-the-threat-of-ai-agent-swarms) |
| Agents as a priority risk | 'Making sure agents are doing what they're supposed to do and not doing something else is a top priority for us' | Mark Wiedman, president | September 14, 2026 | [American Banker](https://www.americanbanker.com/news/bofa-and-pnc-respond-to-rising-ai-fears) |
| Agents in customer accounts | Third-party agents transacting inside accounts are 'incredibly unsafe'; would need liability-shifting law, secure connections, authentication and human-in-the-loop | Bill Demchak, CEO | October 15, 2026 | [PYMNTS](https://www.pymnts.com/news/banking/2026/pnc-combats-ai-enabled-deposit-flight-with-better-tech-service/) |
| AI and identity | Banks must develop AI-based ways to authenticate customers and help customers verify who is contacting them, given deepfakes | Deborah Guild, head of technology | September 2025 | [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-8-deborah-guild-pnc-bank) |
| Candidate AI guidelines | Applicants may use AI to refine, not create, resumes and to prepare; not in live interviews unless PNC says otherwise | PNC Careers | May 2026 | [PNC Careers](https://careers.pnc.com/global/en/candidate-ai-guidelines) |

## What industry AI standards work is PNC involved in?

PNC's head of technology, Deborah Guild, chairs the Financial Services Sector Coordinating Council, the industry body that with the Financial and Banking Information Infrastructure Committee runs the AI Executive Oversight Group; Treasury released that group's AI Lexicon and Financial Services AI Risk Management Framework, an adaptation of the NIST AI RMF, on February 19, 2026. Guild was quoted as FSSCC chair when Treasury launched its Quantum-Readiness Task Force on August 24, 2026. ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-8-deborah-guild-pnc-bank), [U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0401), [U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0615))

PNC says it is 'engaged in several public- and private-sector efforts to define industry AI standards' and closely monitors state and federal rule-making. What it has not published: an AI model inventory count, fairness or bias testing results, or a list of the AI systems reviewed by the working group. ([PNC](https://www.pnc.com/en/about-pnc/corporate-responsibility/responsible-business/customers/protecting-customer-privacy-and-security.html))

## What does the PNC profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Sep 14, 2026 | Barclays conference: agents at the centre of development, 5–10x | Wiedman: using agents as the centre of software development, rather than as assistants, shows 5 to 10x productivity, work of ten weeks done in a week or less; Reilly: own data centres, own GPUs, proprietary small language models, open-weight models in-house, frontier models through hyperscalers. | [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299) |
| Sep 14, 2026 | President Wiedman on agent risk | After a weekend of public alarm over autonomous AI agents, Wiedman says keeping agents from being 'a little bit too aggressive in what they're trying to get done' is a top priority. | [American Banker](https://www.americanbanker.com/news/bofa-and-pnc-respond-to-rising-ai-fears) |
| Sep 8, 2026 | Data 'nutrition labels' for AI models | Carroll on the Financial Services Sector Coordinating Council's data-labelling concept, which PNC is putting into action. | [American Banker](https://www.americanbanker.com/news/do-banks-need-a-nutrition-label-for-their-ai-model-data) |
| Jul 8, 2026 | About 115 AI agents built the new app; a PNC digital assistant is planned | Banking Dive: the agents handled development and testing with human review of their output; about 8 million customers use the app, mobile active users up 8% year over year; the release says the platform is designed for embedded generative-AI assistance and that frontier models were used to harden the development process. | [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [PNC via PR Newswire](https://www.prnewswire.com/news-releases/pncs-new-mobile-app-delivers-an-intuitive-personalized-experience-to-help-clients-seamlessly-manage-their-day-to-day-financial-lives-302819063.html) |
| May 15, 2026 | Candidate AI guidelines published | Rules for how job applicants may use AI, from a bank that calls itself 'a forward-thinking technology company'. | [PNC Careers](https://careers.pnc.com/global/en/candidate-ai-guidelines) |
| Feb 20, 2026 | 2025 10-K: 'risks resulting from the extensive use of models, some of which use AI' | AI/machine-learning models increasingly used with customers and for process automation; AI law named as a constraint. | [PNC via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm) |
| Dec 2, 2025 | Mobile app being built by orchestrated AI agents, 40–50% complete | Head of retail banking Alex Overstrom: a series of orchestrated AI agents is building the new app faster; launch targeted ahead of the June 2026 FirstBank conversion. Earlier, the online-banking rebuild let PNC change in hours what took six months. | [Banking Dive](https://www.bankingdive.com/news/pnc-digital-banking-mobile-app-branch-expansion-retail-overstrom/806716/) |

## Common questions

### Does PNC have responsible AI principles?

Yes. PNC's Responsible AI Principles, published on its corporate responsibility pages, are accountability; transparency, explainability and accuracy; inclusion; fairness; reliability and security; and privacy. The bank describes a 'prudent, human-centric' approach with human-in-the-loop review where applicable and scrutiny of data quality and model validation.

### Who oversees AI risk at PNC?

A Responsible AI Working Group managed by Model Risk Management gives periodic updates to the Operational Risk Committee. At board level, the Technology Committee oversees technology strategy and technology, data and cyber risk. PNC has no chief AI officer; head of data and automation Ned Carroll owns model-data governance.

### What does PNC's 10-K say about AI?

The 2025 Form 10-K says AI and machine-learning models are a minority of PNC's models but increasingly used with customers and for automation, are often less interpretable than traditional statistical models, and are subject to privacy, consumer-protection and equal-opportunity law. It also warns that attackers use generative AI and deepfakes.

### How does PNC handle AI agent risk?

President Mark Wiedman said in September 2026 that keeping agents from doing something other than what they are supposed to do is a top priority; Ned Carroll stresses observability and balancing prevention with detection; and CEO Bill Demchak said on October 15, 2026 that third-party agents transacting in customer accounts are 'incredibly unsafe'.

### Is PNC aligned with the NIST AI Risk Management Framework?

PNC says it is undergoing a self-assessment against the NIST AI requirements to identify enhancements to policy, procedures and controls. Its head of technology chairs the FSSCC, whose AI Executive Oversight Group produced Treasury's financial-services adaptation of the NIST framework in February 2026.
## Deeper on PNC

- [What is PNC's AI strategy and technology vision?](https://www.bankingnewsai.com/banks/pnc/ai-strategy)
- [What AI research, patents and partnerships does PNC have?](https://www.bankingnewsai.com/banks/pnc/ai-research-patents-partnerships)
- [What technology stack does PNC run its AI on?](https://www.bankingnewsai.com/banks/pnc/technology-stack)


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