# WaFd, Inc.: AI strategy

Source: https://www.bankingnewsai.com/banks/wafd
Last updated: Oct 25, 2026

*A former thrift fifteen years into becoming a commercial bank, whose 'Build 2030' plan puts a data-driven 'digital focus' alongside deposit mix goals, with in-house software (AI-assisted development at more than twice the pace), an AI-powered call-centre agent promised for mid-2026 but not yet reported as launched, an nCino AI agent for commercial credit work, and a $3.9 billion reverse merger with EverBank agreed in September 2026.*

## How is WaFd Bank using AI?

WaFd, Inc., the Seattle parent of WaFd Bank with $27.6 billion of assets, 210 branches across nine western states and a September fiscal year, has spent 15 years converting from a savings institution into a commercial bank and now frames its technology agenda inside a plan called Build 2030. The plan pairs a 'digital focus' to 'leverage data to anticipate financial needs and empower clients' with concierge-level service for all clients, serving businesses alongside consumers in person and digitally, and targets to shift 20% of interest-bearing deposits to non-interest-bearing and redeploy $8 billion of single-family loans into commercial lending. On the April 2026 earnings call, president and CEO Brent Beardall, who said 'the headline for this quarter is loan growth', described two planned launches: a next-generation mobile app with sharply reduced access times, real-time peer-to-peer payments and consumer positive pay, and an AI-powered call-centre agent offering 24/7 support so bankers can spend time on higher-value client interactions; the agent was promised for the April-June quarter, but neither the July nor the 16 October 2026 call mentioned it and no source reports that it has launched. On the same call he said WaFd is 'actively using AI to assist our software developers which is increasing the pace of development by over 2x', built through its own software subsidiary, and that technology 'is not a replacement for bankers'. The AI record goes back further than the page once said. From 2019 WaFd's Pike Street Labs built a data lake and an Amazon Lex voicebot with voice biometrics that, per an AWS case study, made balance inquiries 95% faster and cut calls to live representatives by 45% for enrolled customers, before spinning out as Archway Software; and in 2026 WaFd began using nCino's Analyst Digital Partner AI agent for loan-document review, covenant work and credit analysis, presented on nCino's stage by commercial product head Jill Boyle. The fiscal 2025 10-K carries a dedicated AI risk factor covering generative and agentic models, bias, opacity and third-party models. The bank cites a net promoter score of 58, which it calls 'approaching world class', as proof that service and technology investment are landing, and information technology is broken out as a growing line of non-interest expense in its decks. Results are steady: fiscal third-quarter 2026 net income of $66.1 million, or $0.84 per diluted share, up 15% year on year, a 2.81% net interest margin, a 53.69% efficiency ratio and a 173rd consecutive quarterly dividend. On 7 September 2026 WaFd agreed a $3.9 billion all-stock reverse merger with EverBank Financial Corp: WaFd, Inc. survives as the holding company but is renamed EverBank Financial Corp (ticker EVBK), WaFd Bank merges into EverBank, N.A. under the OCC, EverBank's Greg Seibly becomes chief executive and Beardall president of a roughly $75 billion bank, and closing is expected in the first quarter of 2027. Customer-facing AI content covers deepfake impersonation and voice cloning. WaFd Bank is today a Washington state nonmember bank supervised by the FDIC; no AI budget has been disclosed.

## At a glance

| Field | Value |
| --- | --- |
| Lead bank | WaFd Bank |
| Ticker | WAFD |
| Headquarters | Seattle, WA |
| Consolidated assets | $27,577 million |
| Federal Reserve rank | 73 |
| Charter | Washington state nonmember bank (FDIC); agreed in September 2026 to merge into EverBank, N.A. (OCC), closing expected in the first quarter of 2027 |

## What AI partnerships and patents does WaFd Bank have?

WaFd's public AI record names Amazon Web Services (Lex voicebot, SageMaker models, data lake, cloud migration), Talkdesk (contact-centre platform) and nCino (Analyst Digital Partner agent), plus its own software subsidiary Pike Street Labs and the spun-out Archway, in which it co-led a $15 million round in 2023. No patent or published application was found under the names Washington Federal, WaFd, Pike Street Labs or Archway Software in a Google Patents search on 14 October 2026. No frontier-model vendor, GPU or AI budget figure is public. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/wafd-support-case-study/), [Talkdesk (Business Wire, via FinTech Futures)](https://fintechfutures.com/press-releases/wafd-banks-on-talkdesk-to-transform-customer-experiences), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai), [Business Wire](https://businesswire.com/news/home/20230228005316/en/Archway-Announces-%2415-million-in-Series-A-Funding-to-Bring-a-Modern-Banking-Platform-to-Community-and-Regional-Banks), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm))

| Item | What it is | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| Amazon Web Services | Amazon Lex voicebot, SageMaker personalised offers and S3 data lake; AWS Managed Services ran the cloud migration of 80% of workloads in a year | In production | 2024-08-14 | [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/wafd-support-case-study/) |
| Talkdesk | Financial Services Experience Cloud with Amazon Lex voice and chat bots and voice-biometric authentication; named by AWS as a CXA customer | In production | 2026-01-20 | [Talkdesk (Business Wire, via FinTech Futures)](https://fintechfutures.com/press-releases/wafd-banks-on-talkdesk-to-transform-customer-experiences), [Amazon Web Services](https://aws.amazon.com/blogs/apn/how-talkdesk-cxa-and-aws-are-redefining-customer-experience-with-agentic-ai/) |
| nCino | Analyst Digital Partner AI agent for loan-document review, covenants and credit-risk analysis | Pilot | 2026-09-10 | [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai) |
| Archway Software | Spin-out of the original Pike Street Labs; links bank cores to web, mobile, voice and AI; WaFd co-led its $15 million Series A with Madrona | Investment | 2023-02-28 | [Business Wire](https://businesswire.com/news/home/20230228005316/en/Archway-Announces-%2415-million-in-Series-A-Funding-to-Bring-a-Modern-Banking-Platform-to-Community-and-Regional-Banks), [American Banker](https://americanbanker.com/news/wafd-bank-spins-off-software-unit-that-integrates-new-tech-with-cores) |
| Pike Street Labs, Inc. | WaFd subsidiary providing technology and data services; building the AI-assisted planning platform for WaFd Wealth | In development | 2025-10-20 | [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm), [WealthManagement.com](https://wealthmanagement.com/ria-news/what-wafd-bank-is-building-with-its-new-wealth-business) |

## Flagship platform: Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent

WaFd's Build 2030 plan, presented to investors in 2026, includes a 'digital focus' to 'leverage data to anticipate financial needs and empower clients', alongside shifting 20% of interest-bearing deposits to non-interest-bearing and serving businesses 'both in-person and digitally'. On the April 2026 earnings call management said a next-generation mobile banking app was about to launch with much faster access, real-time peer-to-peer payments and consumer positive pay, and that the bank would introduce an AI-powered call-centre agent providing 24/7 support to improve efficiency and free bankers for higher-value conversations; neither the July nor the 16 October 2026 call mentioned the agent, and no launch has been reported. The bank tracks a net promoter score approaching 'world class' as evidence that service, usability and technology investment are paying off. The software is largely built in-house: WaFd says it is the only bank of its size it knows of to have built its own consumer online and mobile applications, and that AI assisting its developers has more than doubled the pace of development. Named AI vendors are Amazon (Lex, Polly, Transcribe and SageMaker behind the voicebot and data platform built from 2019) and nCino, whose Analyst Digital Partner agent WaFd uses for loan-document review, covenant work and credit analysis; no AI budget has been disclosed. ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap))

## Key points

- Build 2030 plan: 'digital focus' pillar to 'leverage data to anticipate financial needs and empower clients'.
- AI-powered call-centre agent for 24/7 support announced on the April 2026 call for the April-June quarter (planned; no launch reported as of the 16 October 2026 call), alongside a next-generation mobile app with real-time P2P and consumer positive pay.
- AI-assisted software development 'increasing the pace of development by over 2x' (CEO, April 2026 call); WaFd builds its own consumer online and mobile apps.
- Earlier AI: Amazon Lex voicebot with voice biometrics built by Pike Street Labs (95% faster balance inquiries, 45% fewer calls to live representatives for enrolled customers, per AWS); SageMaker models for personalised offers.
- nCino Analyst Digital Partner AI agent used for loan-document review, covenant work and credit analysis (2026).
- Fiscal 2025 10-K has a dedicated AI risk factor covering generative and agentic AI, bias, opacity and reliance on third-party models.
- Net promoter score of 58, described as 'approaching world class', cited as evidence technology investment is working.
- Fiscal Q3 2026: net income $66.1 million, EPS $0.84 (+15% year on year), NIM 2.81%, efficiency ratio 53.69%, 173rd consecutive dividend.
- First loan growth after several quarters of contraction in the March 2026 quarter.
- $3.9 billion reverse merger with EverBank (announced 7 September 2026): combined ≈ $75 billion bank named EverBank, WaFd Bank to merge into EverBank, N.A. (OCC); closing expected 1Q 2027.
- Customer AI content is scam education: deepfakes and voice cloning; no AI budget disclosed.
- Core banking platform is Fiserv DNA, according to a 2022 Talkdesk announcement; Talkdesk's contact-centre platform integrates with it to give agents a 360-degree client view.
- Pike Street Labs, Inc. is a WaFd subsidiary that 'provides technology and data services to the Bank' (total assets $4.6 million at 30 September 2025); the 10-K says it was not a subsidiary a year earlier, and the original Pike Street Labs unit became the separate company Archway in February 2023.
- October 2025 call: Pike Street Labs built WaFd's digital banking platform in-house; Release 2.8 added direct-deposit switching, debit-card controls and consumer wires verified by device ID plus voice print for $10; 44% of online deposit-account applications are auto-approved and 4,700 consumer accounts opened online in a year.
- WaFd Wealth, launched in 2025, is working with Pike Street Labs on a financial-planning platform for the mass affluent that produces AI-generated planning outcomes which humans review; assets under management were just under $450 million at 31 March 2026 against a $1 billion target within two years.
- The 17 July 2026 call on fiscal third-quarter results does not mention AI, the mobile app or the call-centre agent, and the 16 October 2026 call on fiscal fourth-quarter results, dominated by the EverBank merger, does not mention them either; no source reviewed confirms the agent promised for the April-June quarter has launched.
- Governance: the Chief Risk Officer chairs the enterprise risk committee, and the CRO, Chief Information Officer and Chief Information Security Officer report quarterly to the board Risk Management Committee (10-K); none is named in the filing, and the executive page lists no CTO, CDO or head of AI.

## Timeline

- Oct 16, 2026 — **Q4 FY2026 call: EverBank merger, no AI update** The fiscal fourth-quarter call centres on the EverBank merger and loan sales; Beardall says scale matters because it lets a bank invest more in technology, but the call does not mention AI, the call-centre agent or the mobile app. ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491))
- Sep 10, 2026 — **nCino: WaFd piloting Analyst Digital Partner for credit risk** nCino says WaFd is piloting the agent for credit risk assessment and financial analysis. ([nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai))
- Sep 8, 2026 — **Merger deck: integration office and core-system decisions** 27 integration workstreams launched and key technology decisions advanced, including core, accounting and HR systems; WaFd's NPS of 58 versus a peer median of 8. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm))
- Sep 7, 2026 — **$3.9 billion reverse merger with EverBank announced** WaFd, Inc. to be renamed EverBank Financial Corp (EVBK); WaFd Bank to merge into EverBank, N.A.; Greg Seibly CEO, Brent Beardall president; closing expected 1Q 2027. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm), [American Banker](https://www.americanbanker.com/news/everbank-wafd-say-merger-would-address-each-firms-issues))
- Aug 4, 2026 — **June 2026 10-Q: AI risk listed, technology expense rising** The 10-Q lists risk associated with the development and use of artificial intelligence among forward-looking factors, as the December and March 10-Qs did; non-interest expense of $110.3 million rose $6.0 million year on year on compensation and technology expenses. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652826000061/wfsl-20260630.htm))
- Jul 27, 2026 — **Investor presentation: Build 2030 with a digital-focus pillar** $27.6 billion of assets; NPS approaching world class; IT expense tracked. ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf))
- Jul 17, 2026 — **Q3 FY2026 call makes no reference to AI** The call transcript carries no mention of AI, the mobile app or the call-centre agent promised on 17 April for the April-June quarter; Beardall cites pervasive technology as a reason deposits move to higher-yielding alternatives. ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729))
- Jul 16, 2026 — **Fiscal third-quarter 2026 results** Net income $66.1 million; EPS $0.84; efficiency ratio 53.69%. ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf))
- Jun 30, 2026 — **Fiscal third-quarter balance sheet** $27.6 billion of assets; 4.7 million shares repurchased in the fiscal first half. ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf))
- Jun 5, 2026 — **173rd consecutive quarterly dividend paid** $0.27 per share. ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf))
- May 29, 2026 — **nCino AI agent on the nSight stage** Jill Boyle shows how WaFd uses nCino's Analyst Digital Partner for loan-document review and covenant work that used to be keyed into spreadsheets. ([nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap))
- Apr 17, 2026 — **Q2 FY2026 call: live-banker pledge and wealth assets** Beardall says customers will always be able to reach a live banker and that technology is not a replacement for bankers; WaFd Wealth assets under management were just under $450 million. ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/17/wafd-wafd-q2-2026-earnings-call-transcript))
- Apr 17, 2026 — **Q2 FY2026 call: mobile app and AI call-centre agent coming** Loan growth returns; Build 2030 outlined; technology upgrades to strengthen engagement. The CEO says AI assisting developers has more than doubled development pace and the AI call-centre agent launches next quarter. ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html))
- Jan 20, 2026 — **AWS lists WaFd among Talkdesk CXA customers** An AWS partner blog on agentic customer-experience automation says WaFd modernised its customer experience centre with the Talkdesk Financial Services Experience Cloud, integrating conversational AI into existing systems. ([Amazon Web Services](https://aws.amazon.com/blogs/apn/how-talkdesk-cxa-and-aws-are-redefining-customer-experience-with-agentic-ai/))
- Nov 18, 2025 — **10-K names Pike Street Labs as a subsidiary and describes AI-risk governance** Pike Street Labs, Inc. provides technology and data services to the Bank (assets $4.6 million); the CRO, CIO and CISO report quarterly to the board Risk Management Committee. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm))
- Nov 18, 2025 — **Fiscal 2025 10-K adds a dedicated AI risk factor** Covers generative and agentic AI, biased or harmful outputs, limited transparency, evolving AI regulation and reliance on third-party models; separately flags AI-enabled deepfakes as a cyber threat. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm))
- Oct 20, 2025 — **WaFd Wealth plans AI-assisted planning platform with Pike Street Labs** WaFd Wealth head John Chavez says the unit is building a questionnaire-based planning tool with AI-generated outcomes that humans review, aimed at the mass affluent, with a trust company to follow. ([WealthManagement.com](https://wealthmanagement.com/ria-news/what-wafd-bank-is-building-with-its-new-wealth-business))
- Oct 17, 2025 — **Q4 FY2025 call: in-house digital platform, voice-print wires, AI fraud warning** Beardall says WaFd's tech stack beats any mid-sized peer; Cathy Cooper reports Pike Street Labs' Release 2.8, 44% auto-approval of online deposit applications and a client data platform under development; Beardall says bad actors use AI extensively to commit fraud. ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063))
- Aug 28, 2025 — **Beardall on CNBC Squawk Box with Valley National CEO** CNBC lists the impact of AI among the topics Beardall and Ira Robbins discussed, alongside the consumer, interest rates and deposit-insurance reform. ([CNBC](https://cnbc.com/video/2025/08/28/housing-affordability-is-the-real-issue-were-seeing-with-consumers-wafd-bank-ceo.html))
- Sep 1, 2024 — **Guide to AI scams: deepfakes and voice cloning (updated September 2024)** Customer education on AI-enabled impersonation. ([WaFd Bank](https://www.wafdbank.com/articles/security-privacy/ai-scams-what-you-should-know))
- Aug 14, 2024 — **AWS case study: data lake, machine learning and voicebot results** Pike Street Labs (formed 2019) built an S3 data lake, SageMaker-driven personalised offers (6,600+ new accounts since 2021) and an Amazon Lex voicebot: 95% faster balance inquiries and 45% fewer calls to live representatives for voice-enrolled customers; NPS rose from 17 in 2018 to 57. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/))
- May 8, 2024 — **WaFd selects Fiserv CashFlow Central for small business** Jill Boyle, head of Commercial Product and Treasury Solutions, says the Fiserv payables and receivables tool will be integrated into WaFd's digital banking; the product was built by Fiserv with Melio. ([Fiserv](https://investors.fiserv.com/news-events/press-releases/detail/62/wafd-bank-to-streamline-payments-for-small-businesses-with-cashflow-central-from-fiserv))
- Feb 28, 2023 — **Pike Street Labs spun out as Archway with $15 million Series A** Archway, previously WaFd's Pike Street Labs, raised $15 million led by Madrona and WaFd Bank to sell a platform that links bank cores to web, mobile, voice and AI services; Dustin Hubbard, formerly WaFd's CTO, became its president. ([Business Wire](https://businesswire.com/news/home/20230228005316/en/Archway-Announces-%2415-million-in-Series-A-Funding-to-Bring-a-Modern-Banking-Platform-to-Community-and-Regional-Banks), [Banking Dive](https://bankingdive.com/news/wafd-fintech-spinoff-archway-15m-funding-round-brent-beardall/644460), [American Banker](https://americanbanker.com/news/wafd-bank-spins-off-software-unit-that-integrates-new-tech-with-cores))
- Feb 6, 2023 — **Amazon Lex voicebot and chatbot with Talkdesk** AWS describes WaFd's contact centre combining Amazon Lex voice and chat bots with Talkdesk and voice-biometric authentication; balance lookups take seconds, a 90% reduction versus the legacy system. ([Amazon Web Services](https://aws.amazon.com/blogs/machine-learning/create-powerful-self-service-experiences-with-amazon-lex-on-talkdesk-cx-cloud-contact-center/))
- Oct 19, 2022 — **Talkdesk and Amazon Lex chosen for the contact centre** Talkdesk says WaFd replaced a disparate legacy contact-centre system with its Financial Services Experience Cloud and Amazon Lex voice and chat bots for login, account lookup and internal transfers, with voice-biometric authentication; it integrates with Fiserv DNA, the WaFd core platform. ([Talkdesk (Business Wire, via FinTech Futures)](https://fintechfutures.com/press-releases/wafd-banks-on-talkdesk-to-transform-customer-experiences))

## Where AI runs

| Use case | What | Status | Detail | Sources |
| --- | --- | --- | --- | --- |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | AI-powered 24/7 call-centre agent (planned) | Announced | Support automation to free bankers for higher-value interactions; promised in April 2026 for the April-June quarter, with no launch reported on the July or October 2026 calls. | [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Next-generation mobile app | Rolling out | Faster access, real-time peer-to-peer payments, consumer positive pay. | [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | Build 2030 digital focus | In production | Data used to anticipate client needs; NPS tracked as the outcome metric. | [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf) |
| [Fraud detection](https://www.bankingnewsai.com/ai-regulation/by-use-case#fraud) | Customer education on deepfake scams | In production | Voice cloning and AI impersonation guidance. | [WaFd Bank](https://www.wafdbank.com/articles/security-privacy/ai-scams-what-you-should-know) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | AI-assisted software development | In production | AI assists the bank's in-house developers, which the CEO says has more than doubled the pace of development. | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html) |
| [Customer-facing chatbots](https://www.bankingnewsai.com/ai-regulation/by-use-case#customer-chatbots) | Amazon Lex voicebot with voice biometrics | In production | Voice-authenticated self-service (balances, transfers) on Talkdesk with Amazon Lex, Polly and Transcribe; sentiment analysis via Amazon Comprehend. | [Amazon Web Services](https://aws.amazon.com/blogs/machine-learning/create-powerful-self-service-experiences-with-amazon-lex-on-talkdesk-cx-cloud-contact-center/), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/) |
| [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting) | nCino Analyst Digital Partner | Pilot | AI agent for loan-document review, covenant work, credit risk assessment and financial analysis in commercial lending. | [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai) |
| [Fraud detection](https://www.bankingnewsai.com/ai-regulation/by-use-case#fraud) | Voice-print verified consumer wires | In production | Consumer wires in the mobile app are verified by device ID plus the client's voice print for $10; launched with Release 2.8 in October 2025. | [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | AI-generated financial plans for WaFd Wealth | Announced | Questionnaire-based planning tool built with Pike Street Labs that generates planning scenarios with AI; humans review each plan; not a robo-adviser. | [WealthManagement.com](https://wealthmanagement.com/ria-news/what-wafd-bank-is-building-with-its-new-wealth-business) |
| [Third-party & vendor AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#third-party-vendors) | Talkdesk and AWS contact-centre stack | In production | Talkdesk Financial Services Experience Cloud with Amazon Lex voice and chat bots and voice-biometric authentication; AWS names WaFd as a Talkdesk CXA customer in 2026. | [Talkdesk (Business Wire, via FinTech Futures)](https://fintechfutures.com/press-releases/wafd-banks-on-talkdesk-to-transform-customer-experiences), [Amazon Web Services](https://aws.amazon.com/blogs/apn/how-talkdesk-cxa-and-aws-are-redefining-customer-experience-with-agentic-ai/) |
| [AI governance (general)](https://www.bankingnewsai.com/ai-regulation/by-use-case#governance-general) | Quarterly technology and security risk reporting | In production | The CRO, CIO, CISO, CFO and chief credit officer report quarterly to the board Risk Management Committee; the CRO chairs the enterprise risk committee. | [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm) |
| [Cybersecurity](https://www.bankingnewsai.com/ai-regulation/by-use-case#cybersecurity) | Defence against AI-enabled attacks and deepfakes | In production | The 10-K names AI-enabled cyber-attacks and deepfake identity fabrication as major concerns; Beardall says bad actors use AI extensively to commit fraud and that treasury-management controls and automation are essential. | [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | AI risk-factor disclosure | In production | The 10-K names incorrect, biased or harmful outputs of generative and agentic models, limited transparency, evolving AI law and dependence on third-party models as risks. | [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm) |

## Disclosed numbers

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| Fiscal Q3 2026 net income / diluted EPS | $66.1 million / $0.84 (+15% year on year) | Jul 16, 2026 | [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf) |
| Efficiency ratio / net interest margin, fiscal Q3 2026 | 53.69% / 2.81% | Jul 16, 2026 | [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf) |
| Total assets / branches | $27.6 billion / 210 | Jun 30, 2026 | [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf) |
| Consecutive quarterly dividends | 173 | Jul 16, 2026 | [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf) |
| Software development pace with AI assistance | > 2x | Apr 17, 2026 | [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html) |
| Voicebot: faster balance inquiries / fewer calls to live representatives (voice-enrolled) | 95% / 45% | Aug 14, 2024 | [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/) |
| EverBank reverse merger value / combined assets | $3.9 billion (all stock) / ≈ $75 billion | Sep 7, 2026 | [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm) |
| Merger integration workstreams launched | 27 | Sep 8, 2026 | [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm) |
| Pike Street Labs, Inc. total assets | $4.6 million | Sep 30, 2025 | [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm) |
| Online deposit-account applications auto-approved | 44% | Oct 17, 2025 | [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063) |
| Consumer accounts opened online in the past year | more than 4,700 | Oct 17, 2025 | [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063) |
| Net promoter score, eight years ago versus latest | 17 versus 58 | Oct 17, 2025 | [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063) |
| WaFd Wealth assets under management / target within two years | just under $450 million / $1 billion | Mar 31, 2026 | [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/17/wafd-wafd-q2-2026-earnings-call-transcript) |
| Non-interest expense, fiscal Q3 2026 (change year on year) | $110.3 million (+$6.0 million), on compensation and technology expenses | Jun 30, 2026 | [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652826000061/wfsl-20260630.htm) |

## Quotes

> "Digital Focus: Leverage data to anticipate financial needs and empower clients." — WaFd Bank, Build 2030 investor presentation, Jul 27, 2026 ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf))

> "The headline for this quarter is loan growth." — Brent Beardall, President and CEO, Apr 17, 2026 ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html))

> "We are actively using AI to assist our software developers which is increasing the pace of development by over 2x." — Brent Beardall, President and CEO, Apr 17, 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html))

> "Our perspective is technology is a tool for clients and bankers to make us better bankers. It is not a replacement for bankers." — Brent Beardall, President and CEO, Apr 17, 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html))

> "Let me be clear, customers will always be able to access a live banker, if that is their preference." — Brent Beardall, President and CEO, Apr 17, 2026 ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/17/wafd-wafd-q2-2026-earnings-call-transcript))

> "We have all heard about the hype that what AI can do, and we too are excited about the potential. AI is also being used extensively by bad actors to commit fraud." — Brent Beardall, President and CEO, Oct 17, 2025 ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063))

> "I would now take our tech stack over any mid-sized bank peer, as we now have a phenomenal digital offering with a combination of strong vendor relationships and control via in-house developed software." — Brent Beardall, President and CEO, Oct 17, 2025 ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063))

> "Second, it’s having control over our client-facing technology instead of being held hostage by vendors." — Cathy Cooper, Chief Experience Officer, Oct 17, 2025 ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063))

> "Fast forward three years from now, we’ll have a technology solution for the massive affluent segment that could possibly dwarf the AUM of the core wealth management business." — John Chavez, Head of WaFd Wealth, Oct 20, 2025 ([WealthManagement.com](https://wealthmanagement.com/ria-news/what-wafd-bank-is-building-with-its-new-wealth-business))

## Who runs AI

- **Brent Beardall** — President and CEO (to become president of the combined EverBank after the merger closes) ([LinkedIn](https://www.linkedin.com/in/brent-beardall-2b413bb)) ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm))
- **Cathy Cooper** — Chief Experience Officer ([LinkedIn](https://www.linkedin.com/in/cathycooperseattle)) ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063))
- **Kim Robison** — Chief Operating Officer ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf))
- **Kelli Holz** — Chief Financial Officer ([LinkedIn](https://www.linkedin.com/in/kelli-holz-2263217)) ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf))
- **Jill Boyle** — Senior Vice President, Commercial Product and Treasury Solutions (nCino AI agent deployment) ([LinkedIn](https://www.linkedin.com/in/jillian-m-boyle)) ([nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap))
- **Dustin Hubbard** — Chief Technology Officer (as named by AWS in February 2023); later president of Archway Software, the spin-off of WaFd's Pike Street Labs ([Talkdesk (Business Wire, via FinTech Futures)](https://fintechfutures.com/press-releases/wafd-banks-on-talkdesk-to-transform-customer-experiences), [Amazon Web Services](https://aws.amazon.com/blogs/machine-learning/create-powerful-self-service-experiences-with-amazon-lex-on-talkdesk-cx-cloud-contact-center/), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [American Banker](https://americanbanker.com/news/wafd-bank-spins-off-software-unit-that-integrates-new-tech-with-cores))
- **John Chavez** — Head of WaFd Wealth (business owner of the AI-generated financial-planning platform being built with Pike Street Labs) ([WealthManagement.com](https://wealthmanagement.com/ria-news/what-wafd-bank-is-building-with-its-new-wealth-business))
- **Mark Trotter** — Vice President, Cloud and Network (led WaFd's AWS cloud migration, per AWS) ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/wafd-support-case-study/))

## Open AI roles

Data as of Oct 25, 2026 (2026-10-25) · read from the bank's own careers site, re-checked weekly.

No open AI-titled postings on [the careers site](https://www.wafdbank.com/about-us/banking-careers) as of Oct 25, 2026. A snapshot of current openings, not a source: postings close.

## Which AI vendors and fintechs does WaFd Bank work with?

| Company | What WaFd Bank uses it for | Status | Category |
| --- | --- | --- | --- |
| [Talkdesk](https://www.bankingnewsai.com/vendors/talkdesk) | Financial Services Experience Cloud for Banking with Amazon Lex voice and chat bots and Talkdesk Identity voice-biometric authentication. | In production | [Conversational AI](https://www.bankingnewsai.com/ai-tools/conversational-ai) |
| [nCino](https://www.bankingnewsai.com/vendors/ncino) | Analyst Digital Partner AI agent for loan-document review, covenant work and credit risk assessment | Pilot | [Banking platforms](https://www.bankingnewsai.com/ai-tools/banking-platforms) |

Each vendor and fintech page cites the source for the relationship. [AI tools for banks](https://www.bankingnewsai.com/ai-tools) · [fintech and neobank AI dossiers](https://www.bankingnewsai.com/fintech).

## Regulators it answers to

- [FDIC](https://www.bankingnewsai.com/ai-regulation/fdic) — WaFd Bank is a state nonmember bank; FDIC model-risk and third-party guidance govern the AI call-centre agent and app vendors. See [FDIC FIL-29-2023](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-29-2023), [FDIC FIL-15-2026](https://www.bankingnewsai.com/ai-regulation/documents/fdic-fil-15-2026).
- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) — A customer-facing AI agent falls squarely under the CFPB's chatbot guidance and UDAAP. See [CFPB Chatbots in Consumer Finance (issue spotlight, 2023)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-chatbots-in-consumer-finance-2023).
- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) — Holding-company oversight of technology investment and consolidated risk. See [SR 23-4](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-23-4).
- [OCC](https://www.bankingnewsai.com/ai-regulation/occ) — After the EverBank merger closes, WaFd Bank's operations and AI tools move into EverBank, N.A., a national bank under OCC model-risk and generative-AI expectations. See [OCC Bulletin 2026-13](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2026-13), [OCC Semiannual Risk Perspective, Spring 2026](https://www.bankingnewsai.com/ai-regulation/documents/occ-semiannual-risk-perspective-spring-2026).

## What the record suggests

### The call-centre agent is the first real test

A 24/7 AI agent puts WaFd inside CFPB chatbot guidance from day one; escalation paths and complaint handling should be documented before launch.

### Tie AI to Build 2030 metrics

The plan's deposit-mix and NPS goals give AI a measurable purpose most peers lack; publish the link.

### Efficiency is already good, which raises the bar

A 53.69% efficiency ratio means AI has to show revenue or retention gains, not just cost.

### Name the vendor

Investors and examiners will ask which platform runs the agent and who owns the model risk.

### The merger decides the AI stack

With core, accounting and HR system choices already being made for the EverBank combination, WaFd's in-house apps, voicebot and nCino agent each need a keep-or-replace decision and a model inventory that survives the move to an OCC charter.

## FAQ

### Who leads AI at WaFd Bank?

WaFd has not named a head of AI, chief AI officer or chief technology officer in its filings or on its executive page, which lists Brent Beardall (CEO), Kelli Holz (CFO), Cathy Cooper (chief experience officer), Ryan Mauer (chief credit officer) and Kim Robison (COO). Beardall announced the AI call-centre agent and AI-assisted development in April 2026; Cooper presented the in-house digital platform built by Pike Street Labs in October 2025; Jill Boyle fronted the nCino agent. The 10-K says a chief information officer and chief information security officer report to the board risk committee but does not name them. Dustin Hubbard, CTO until 2023, became Archway's president.

### What is Pike Street Labs?

Pike Street Labs is WaFd's in-house software unit. The original unit, formed around 2019 under CTO Dustin Hubbard, was spun out in February 2023 as Archway with a $15 million Series A led by Madrona and WaFd. The fiscal 2025 10-K lists a new Pike Street Labs, Inc. as a subsidiary providing technology and data services to the bank, with $4.6 million of assets and no presence a year earlier. On the October 2025 call it was credited with the in-house mobile app and deposit-account portal, and WaFd Wealth plans to use it for an AI-assisted planning platform.

### Has WaFd launched its AI call-centre agent?

Not confirmed. On 17 April 2026 Beardall said WaFd would launch an AI call-centre agent 'this next quarter', giving customers answers 24 hours a day, and that a live banker would always remain available. The 17 July 2026 call on April-June results did not mention the agent, AI or the new mobile app, nor did the 16 October 2026 call on July-September results, and no source reviewed reports a launch. WaFd's earlier voice self-service uses Amazon Lex with Talkdesk and voice biometrics, in place since 2022 and 2023.

### Does WaFd Bank use AI?

Yes. WaFd announced in April 2026 that it would introduce an AI-powered call-centre agent providing 24/7 support (no launch reported as of October 2026) alongside a next-generation mobile app, and said AI assisting its in-house software developers has more than doubled their pace. It has run an Amazon Lex voicebot with voice biometrics since at least early 2023, and in 2026 began using nCino's Analyst Digital Partner AI agent for loan-document review, covenants and credit analysis. Its fiscal 2025 10-K includes a dedicated AI risk factor. No AI budget has been disclosed.

### How is WaFd performing?

For the fiscal third quarter ended June 30, 2026 it earned $66.1 million, or $0.84 per diluted share, up 15% year on year, with a 2.81% net interest margin, a 53.69% efficiency ratio and its 173rd consecutive quarterly dividend. Assets are $27.6 billion across 210 branches.

### Is WaFd merging with EverBank?

Yes. On 7 September 2026 WaFd, Inc. and EverBank Financial Corp announced a $3.9 billion all-stock reverse merger. WaFd, Inc. remains the listed holding company but will be renamed EverBank Financial Corp under the ticker EVBK, WaFd Bank will merge into EverBank, N.A., Greg Seibly will be CEO and Brent Beardall president, and closing is expected in the first quarter of 2027, subject to WaFd shareholder and regulatory approvals.

## Sources (27)

1. What You Need to Know About AI Scams — WaFd Bank, Sep 1, 2024. https://www.wafdbank.com/articles/security-privacy/ai-scams-what-you-should-know
2. WAFD Q1 Deep Dive: Loan Growth and Deposit Initiatives Drive Outperformance — StockStory (Yahoo Finance), Apr 17, 2026. https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html
3. WaFd Announces Quarterly Earnings Per Share of $0.84 — WaFd, Inc., Jul 16, 2026. https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf
4. WaFd Bank Investor Presentation, June 2026 — WaFd, Inc., Jul 27, 2026. https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf
5. WaFd (WAFD) Q2 2026 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Apr 17, 2026. https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html
6. WaFd, Inc. Annual Report on Form 10-K for the fiscal year ended September 30, 2025 — WaFd, Inc. (SEC filings), Nov 18, 2025. https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm
7. WaFd, Inc. Enters into a $3.9 Billion Reverse Merger Transaction with EverBank Financial Corp (Form 8-K, Exhibit 99.1) — WaFd, Inc. (SEC filings), Sep 7, 2026. https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm
8. WaFd, Inc. Form 8-K, Exhibit 99.2: investor presentation on the EverBank merger — WaFd, Inc. (SEC filings), Sep 8, 2026. https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm
9. EverBank, WaFd say merger would address each firm's issues — American Banker, Sep 8, 2026. https://www.americanbanker.com/news/everbank-wafd-say-merger-would-address-each-firms-issues
10. nSight 2026 Recap: AI in Banking Moves from Strategy to Delivery — nCino, May 29, 2026. https://ncino.com/en-SEA/blog/nsight-2026-recap
11. How AI in Commercial Lending Cuts the Two-Day Review — nCino, Sep 10, 2026. https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai
12. Create powerful self-service experiences with Amazon Lex on Talkdesk CX Cloud contact center — Amazon Web Services, Feb 6, 2023. https://aws.amazon.com/blogs/machine-learning/create-powerful-self-service-experiences-with-amazon-lex-on-talkdesk-cx-cloud-contact-center/
13. Archway Software and WaFd Bank Modernize the Banking Experience Using AWS — Amazon Web Services, Aug 14, 2024. https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/
14. WaFd Banks on Talkdesk to Transform Customer Experiences — Talkdesk (Business Wire, via FinTech Futures), Oct 19, 2022. https://fintechfutures.com/press-releases/wafd-banks-on-talkdesk-to-transform-customer-experiences
15. Archway Announces $15 million in Series A Funding to Bring a Modern Banking Platform to Community and Regional Banks — Business Wire, Feb 28, 2023. https://businesswire.com/news/home/20230228005316/en/Archway-Announces-%2415-million-in-Series-A-Funding-to-Bring-a-Modern-Banking-Platform-to-Community-and-Regional-Banks
16. WaFd Bank spins off software unit that integrates new tech with cores — American Banker, Mar 1, 2023. https://americanbanker.com/news/wafd-bank-spins-off-software-unit-that-integrates-new-tech-with-cores
17. WaFd fintech spinoff Archway launches after $15M funding round — Banking Dive, Mar 8, 2023. https://bankingdive.com/news/wafd-fintech-spinoff-archway-15m-funding-round-brent-beardall/644460
18. WaFd Bank to Streamline Payments for Small Businesses with CashFlow Central from Fiserv — Fiserv, May 8, 2024. https://investors.fiserv.com/news-events/press-releases/detail/62/wafd-bank-to-streamline-payments-for-small-businesses-with-cashflow-central-from-fiserv
19. Housing affordability is the real issue we're seeing with consumers: WaFd Bank CEO — CNBC, Aug 28, 2025. https://cnbc.com/video/2025/08/28/housing-affordability-is-the-real-issue-were-seeing-with-consumers-wafd-bank-ceo.html
20. Earnings call transcript: WaFd Inc. misses Q4 2025 earnings forecast — Investing.com (earnings call transcript), Oct 17, 2025. https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063
21. What WaFd Bank Is Building with its New Wealth Business — WealthManagement.com, Oct 20, 2025. https://wealthmanagement.com/ria-news/what-wafd-bank-is-building-with-its-new-wealth-business
22. How Talkdesk CXA and AWS are Redefining Customer Experience with Agentic AI — Amazon Web Services, Jan 20, 2026. https://aws.amazon.com/blogs/apn/how-talkdesk-cxa-and-aws-are-redefining-customer-experience-with-agentic-ai/
23. WaFd (WAFD) Q2 2026 Earnings Call Transcript — The Motley Fool (earnings call transcript), Apr 17, 2026. https://fool.com/earnings/call-transcripts/2026/04/17/wafd-wafd-q2-2026-earnings-call-transcript
24. Earnings call transcript: WaFd Q4 2026 profit misses, revenue beats — Investing.com (earnings call transcript), Oct 16, 2026. https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491
25. Earnings call transcript: WaFd posts Q3 2026 revenue beat, EPS misses slightly — Investing.com (earnings call transcript), Jul 17, 2026. https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729
26. WAFD, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — WaFd, Inc. (SEC filings), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/936528/000093652826000061/wfsl-20260630.htm
27. WaFd Migrated 80% of Workloads to the Cloud in One Year — Amazon Web Services, May 13, 2026. https://aws.amazon.com/solutions/case-studies/wafd-support-case-study/

---

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