Banks have moved past "What is generative AI?" to “How do we use it safely at scale?" GenAI can fabricate information and expose proprietary data, yet properly deployed it delivers 30-40% faster code development and automated document analysis. This session examines the difference between agentic AI (which takes action) and generative AI (which creates content), explores where GenAI delivers measurable value versus unacceptable risk, and provides frameworks for prompt engineering, output validation, and human oversight that make production deployment possible without compromising accuracy or compliance.