Citi restricts AI agents from accessing customer accounts

The bank is drawing hard lines around autonomous AI as Wall Street grows wary of software that can move money on its own Citi is restricting AI agents from accessing customer accounts, according to the Financial Times. The clearest window into Citi’s thinking came from CEO Jane Fraser at Sibos 2026 in Miami on September 30, 2026. Sibos is the annual banking and payments conference. Fraser argued that autonomous AI agents need rigorous identity verification and authentication before they can execute transactions. That applies whether the agent is acting for a customer or for the bank itself. Fraser said she was confident Citi could avoid the risks that come with uncontrolled agents. Her centerpiece was ARC, an internal platform Citi uses to monitor and govern AI agents.

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