Technology risk in community banking has rapidly evolved beyond IT, now directly impacting financial performance, regulatory compliance, and customer trust—often with AI already embedded across operations without adequate oversight. Limited resources and outdated governance frameworks leave many institutions struggling to manage cybersecurity, data, and third-party risks at the level regulators expect. This session provides practical, scalable approaches to strengthen oversight, align governance with emerging risks, and enable more informed, resilient decision-making. 

Learning Outcomes:  

• Identify where artificial intelligence, cybersecurity, data governance, and digital risk exist within financial institutions 
• Understand regulatory expectations for governance and oversight of AI, cyber, and digital risk, as they apply to institutions of varying sizes and complexities 
• Evaluate how traditional risk management frameworks extend to AI‑enabled tools, digital risks, and identify where enhancements are needed  
• Recognize the role of data governance as a foundational risk management discipline