Kristin Milchanowski

Legacy & significance

Milchanowski built her career at the intersection of AI and financial crime, from model risk management at JPMorgan and Morgan Stanley to leading a global AI and quantum lab at EY that supported the U.S. National Security Commission on Artificial Intelligence, before becoming BMO's first Chief AI and Quantum Officer and founding director of its applied AI institute.

Major achievements & key works

• Founding Chief AI and Quantum Officer, BMO Financial Group (2024-present). Leads the newly created BMO Institute of Applied AI and Quantum, setting enterprise AI and quantum computing strategy for a major North American bank.
• Global Partner/Principal, EY, leading a Global Lab on AI, HPC, and Quantum. Directed applied research supporting the U.S. National Security Commission on Artificial Intelligence's final report, published in 2021.
• Head of GFCC Technology and Model Management, JPMorgan Chase. Led technology and model risk management for global financial crimes compliance.
• Chief Data Scientist, Legal and Compliance Division, Morgan Stanley. Directed data science strategy for a global compliance function at a major investment bank.
• Authoring Return On Intelligence (2026). Published a strategic playbook for how financial institutions scale enterprise AI adoption.

Pivotal turning points

Year	Event	Impact
2011	Becomes Head of Technology and Model Management, JPMorgan Chase	Leads financial-crime technology and model risk
2014	Becomes Chief Data Scientist at Morgan Stanley	Leads compliance data science at a major bank
2016	Joins EY as Partner/Principal, leading a Global AI, HPC, and Quantum Lab	Applied research reaches the National Security Commission on AI
2024	Named Chief AI and Quantum Officer, founding BMO's Institute of Applied AI and Quantum	Leads AI and quantum strategy at BMO
2026	Publishes Return On Intelligence	Provides an institutional AI-scaling playbook

Sources & further reading

Primary sources

• Kristin Milchanowski, PhD, LinkedIn profile

Recommended secondary sources