Kristin Milchanowski

Kristin Milchanowski is the Chief Artificial Intelligence (AI) and Quantum Officer for BMO Financial Group and also serves as the Founding Director of the BMO Institute for Applied AI & Quantum. She is a member of BMO's Technology and Operations (T&O) Executive Committee. Kristin is responsible for driving BMO's AI & quantum strategies, keeping BMO on the leading edge of these technologies, while also deploying them safely and securely. 

Kristin is the author of Return on Intelligence: A Strategic Enterprise Playbook for Scalable AI Agents, a book which redefines what transformation means in the age of AI and, through 43 governing principles, demonstrates how AI agents can reshape decisions, orchestrate resources, and embed permanence into complex enterprises.

A global AI executive, Kristin has 25 years of experience, across financial and manufacturing sectors, who has transformed businesses by leveraging the full potential of their data and technology. Prior to BMO, she was a Global Innovation Partner / Principal at EY, leading their Global Lab focused on AI, High Process Computing and Quantum technologies. Before consulting, Kristin was a Chief Data Scientist at Morgan Stanley, as well as former head of Global Financial Crimes Compliance Technology and Model Management at JP Morgan. 

Kristin is an AI Associate Fellow of the University of Oxford, where she completed post-doctoral studies in AI and holds a PhD in Decision Sciences. She also holds a Master of Business Administration from the University of Colorado and a Bachelor of Business Administration from Texas A&M University. Her current research is at the intersection of AI and Quantum, pioneering research in Quantum Game Theory. Formerly a foundation board member of Children's National Hospital in Washington D.C and of Automobili Lamborghini in Bologna, Italy. She also wrote and illustrated a children's book, Tell Me Henry, to advocate for more diversity in children's literature.