TD has 7 dated AI-agent moves on the record, from Dec 4, 2025 to Oct 13, 2026, and 6 agent use cases on its profile, 3 in production (AI risk management under the model lifecycle, Agent observability and guardrails and Collections AI agent). The latest move, on Oct 13, 2026: Agentic AI extended to mortgage funding and discharge (TD Bank Group (Canada Newswire via Yahoo Finance)). Each row below is the bank's own dated entry with the stage it describes and its source; the strategy, numbers, leaders and regulators are on TD's AI strategy page, and the same rows sit in date order with every other bank on the tracker.
What AI agents does TD run, and at what stage?
TD's profile records 3 agent use cases in production: AI risk management under the model lifecycle, Agent observability and guardrails and Collections AI agent. 3 more are at pilot, rollout or announcement stage.
- In production
AI risk management under the model lifecycle
Annual report: AI models (including ML and generative AI) meet the same model-risk standards; a three-lines-of-defense approach to AI risk; generative and agentic AI adoption by TD and its vendors named as a risk.
- In production
Agent observability and guardrails
US CIO describes chain-of-thought monitoring of agent reasoning plus guardrails and human oversight at design and operational stages, to contain agents that find unpredictable routes to a goal.
- In production
Collections AI agent
First collections agent, launched by September 2026; Chun said connect rates rose from about 6-7% with people to 20-25%.
- Rolling out
Agentic lending pre-adjudication
Application summary memos for real-estate secured lending underwriters.
- Rolling out
Agentic mortgage funding and discharge
Two new group capabilities (13 October 2026) coordinate multi-step document verification and draft a case summary or discharge statement for colleague review; Chun said the pre-adjudication agent is transferable to US lines. Group real-estate lending is Canadian.
- Announced
Voice AI agent for US contact centres
Built with a vendor; targeted to handle about 50% of incoming call-center calls.
What has TD announced about AI agents, and when?
Oct 20261 move
Agentic AI extended to mortgage funding and dischargeRolling out
Two new capabilities coordinate document checks across systems; funding case review in up to half the time; builds on pre-adjudication, which fell from 15 hours to under three minutes.
Sep 20262 moves
US CIO on guardrails against 'rogue' agentic AI swarmsIn production
Kiran Vuppu tells American Banker that agents given a goal can take many possible routes to it, so banks cannot predict every scenario and need continuous monitoring of agent reasoning (chain-of-thought observability) alongside guardrails and human oversight at both design and operational stages.
US bank details AI in AML, engineering and the call centreAnnounced
Three AI models in the AML program, an investigator desktop in development, 1,800 developers on GitHub Copilot, and a vendor voice AI agent targeted at about 50% of incoming calls.
May 20261 move
First agentic AI model, in real-estate secured lendingAnnounced
Generates application summary memos for underwriters in minutes; human in the loop.
Feb 20262 moves
Q1 fiscal 2026 call: US ML models in transaction monitoring, new KYC platform liveIn production
Salom: the new KYC platform went live to business users that month and more ML models follow in coming quarters; Chun: first scaling of agentic AI in real-estate lending, C$1 billion AI target split C$500 million revenue and C$500 million expense, with upside beyond it.
Branch Virtual Assistant expands nationally; agentic lending capability scalesAnnounced
Q1 fiscal 2026 report; CFO targets $150 million of claims-cost cuts with AI.
Dec 20251 move
2025 annual report (SEC filing): AI risk framework and US AML machine learningAnnounced
AI models held to the same model-risk standards; generative and agentic AI named as risks; 'further deployments of machine learning and specialized AI' in the US BSA/AML remediation; ~US$52 billion of headroom to the US asset limitation.
What has been reported about TD's agents?
Headlines from the TD news stream, publisher and date only:
- Toronto-Dominion Bank Adds Agentic AI Tools to Streamline Mortgage Operations
finance.yahoo.com · Oct 13, 2026
What AI agents does TD have in production?
TD's profile records 3 agent use cases in production: AI risk management under the model lifecycle, Agent observability and guardrails and Collections AI agent. 3 more are at pilot, rollout or announcement stage.
What has TD announced about AI agents, and when?
7 dated moves from Dec 4, 2025 to Oct 13, 2026: 2 describe an agent in production, 1 a rollout, 0 a pilot and 4 an announcement. The latest, on Oct 13, 2026: Agentic AI extended to mortgage funding and discharge (TD Bank Group (Canada Newswire via Yahoo Finance)).
Where does this timeline come from?
From TD Bank (U.S.)'s profile on this site, which dates each move and cites its source; the build checks every link. The stage is the one the bank describes, and nothing here is written by a model. The profile is refreshed on a biweekly routine; the record last changed on Oct 13, 2026.
Other banks with an agent timeline:
When TD puts an agent into production, you'll read it the next morning.
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