Meeting prep · JPM · Mega Diamond · Jonathan.M.Zandman
JPMorgan Chase & Co.
Largest US bank; ~$18B+ annual tech budget, AI at scale, CEO succession in view
Jamie Dimon
CEO · Executive on file
Relationship
Not mapped
Likely agenda
Enterprise-wide priorities
Account health
59 Focus now · Mega Diamond account; about $59M of planned deals (est.); 1 signal in the last 30 days
Their priorities
Jamie Dimon frames tech and AI as core to staying ahead. Management cites hundreds of AI use cases in production and a stated $1.5-2B of annual value from AI. unverified
Branch expansion (500+ new branches by 2027) and deposit growth in new US markets, alongside digital engagement in the Chase app. unverified
Payments and wholesale franchise growth, including Kinexys (blockchain, formerly Onyx) and treasury services. unverified
Last earnings call (Q3 2026): Capital & buybacks, Rates & NII, AI & automation, Credit quality, Cyber & resilience, Organic growth. Prefers organic investment to buybacks, with about $30B excess capital. Tightening some lending standards. Limits on outside AI agents; gen-AI gains still hard to see in results. 2027 expense around $114B.
Mar 2024 · Gaps in trade surveillance data feeding remediation in data lineage and controls. Regulatory actions
Talking points
"You've proven AI value at scale. The next step is redesigning end-to-end processes around agents, not tasks." Anchor on the $1.5-2B value claim and the CFO's cost-efficiency signal.
Apple Card migration is a high-stakes customer migration. Offer integration and migration factory experience from comparable card portfolio moves.
Capital relief from the lighter Basel III endgame raises the value of balance-sheet optimization and data-quality work.
Plays to raise
Agentic AI operating model for operations, KYC and servicingAI & agentsIdentified
Why now: Largest US bank; ~$18B+ annual tech budget, AI at scale, CEO succession in view.
Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
Why now: Apple Card migration is a high-stakes customer migration.
Ask: A 5-week payments platform blueprint: current-state cost and resilience baseline, target architecture, migration waves and a business case the CFO can take to the board.
Regulatory data lineage and trade surveillance remediation follow-onsRegulatory & riskIdentified
Why now: In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control.
Ask: A 6-week controls and operations diagnostic: baseline alert volumes, backlog and cost per case, then pilot AI-assisted case triage on one queue with model-risk documentation regulators can read.
59 Focus now · Mega Diamond account; about $59M of planned deals (est.); 1 signal in the last 30 days
Their priorities
In October 2026 the CFO said 2026 AI costs were running below earlier estimates (see signals). That points to a push for proof of AI productivity, not just more experiments. unverified
Lori Beer is Global CIO. Teresa Heitsenrether leads firmwide data and analytics, including AI. Jeremy Barnum is CFO. unverified
Basel III endgame was re-proposed in a much lighter form in 2025-26, which frees capital. The relief also raises the bar on capital and RWA optimization work. unverified
In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control. unverified
First Republic (acquired in 2023) is fully integrated. In early 2026 JPMorgan agreed to take over the Apple Card program from Goldman Sachs, a large card migration and integration effort. unverified
Last earnings call (Q3 2026): Capital & buybacks, Rates & NII, AI & automation, Credit quality, Cyber & resilience, Organic growth. Prefers organic investment to buybacks, with about $30B excess capital. Tightening some lending standards. Limits on outside AI agents; gen-AI gains still hard to see in results. 2027 expense around $114B.
Mar 2024 · Gaps in trade surveillance data feeding remediation in data lineage and controls. Regulatory actions
Talking points
"You've proven AI value at scale. The next step is redesigning end-to-end processes around agents, not tasks." Anchor on the $1.5-2B value claim and the CFO's cost-efficiency signal.
Apple Card migration is a high-stakes customer migration. Offer integration and migration factory experience from comparable card portfolio moves.
Capital relief from the lighter Basel III endgame raises the value of balance-sheet optimization and data-quality work.
Plays to raise
Agentic AI operating model for operations, KYC and servicingAI & agentsIdentifiednamed buyer
Why now: Largest US bank; ~$18B+ annual tech budget, AI at scale, CEO succession in view.
Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
Apple Card program migrationPaymentsIdentifiednamed buyer
Why now: Apple Card migration is a high-stakes customer migration.
Ask: A 5-week payments platform blueprint: current-state cost and resilience baseline, target architecture, migration waves and a business case the CFO can take to the board.
Regulatory data lineage and trade surveillance remediation follow-onsRegulatory & riskIdentified
Why now: In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control.
Ask: A 6-week controls and operations diagnostic: baseline alert volumes, backlog and cost per case, then pilot AI-assisted case triage on one queue with model-risk documentation regulators can read.
Other firms at the account: Infosys, TCS, Cognizant, Capgemini, McKinsey, BCGmentions unverified
10-K risk factors stress cyber (the bank is a top target), third-party and cloud concentration, AI model risk, and operational resilience.
Lori Beer
CIO · Executive on file, Plan buyer
Relationship
Not mapped
Likely agenda
Cloud & core, Data & analytics, AI & agents, Cyber & resilience
Account health
59 Focus now · Mega Diamond account; about $59M of planned deals (est.); 1 signal in the last 30 days
Their priorities
Jamie Dimon frames tech and AI as core to staying ahead. Management cites hundreds of AI use cases in production and a stated $1.5-2B of annual value from AI. unverified
2026 adjusted expense guidance was about $105B, with tech spend up again from about $18B in 2025. Management says spend is driven by AI, modernization and new products. unverified
In October 2026 the CFO said 2026 AI costs were running below earlier estimates (see signals). That points to a push for proof of AI productivity, not just more experiments. unverified
Lori Beer is Global CIO. Teresa Heitsenrether leads firmwide data and analytics, including AI. Jeremy Barnum is CFO. unverified
In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control. unverified
Last earnings call (Q3 2026): Capital & buybacks, Rates & NII, AI & automation, Credit quality, Cyber & resilience, Organic growth. Prefers organic investment to buybacks, with about $30B excess capital. Tightening some lending standards. Limits on outside AI agents; gen-AI gains still hard to see in results. 2027 expense around $114B.
Mar 2024 · Gaps in trade surveillance data feeding remediation in data lineage and controls. Regulatory actions
Talking points
"You've proven AI value at scale. The next step is redesigning end-to-end processes around agents, not tasks." Anchor on the $1.5-2B value claim and the CFO's cost-efficiency signal.
Apple Card migration is a high-stakes customer migration. Offer integration and migration factory experience from comparable card portfolio moves.
Capital relief from the lighter Basel III endgame raises the value of balance-sheet optimization and data-quality work.
Plays to raise
Agentic AI operating model for operations, KYC and servicingAI & agentsIdentifiednamed buyer
Why now: Largest US bank; ~$18B+ annual tech budget, AI at scale, CEO succession in view.
Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
Apple Card program migrationPaymentsIdentifiednamed buyer
Why now: Apple Card migration is a high-stakes customer migration.
Ask: A 5-week payments platform blueprint: current-state cost and resilience baseline, target architecture, migration waves and a business case the CFO can take to the board.
Regulatory data lineage and trade surveillance remediation follow-onsRegulatory & riskIdentifiednamed buyer
Why now: In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control.
Ask: A 6-week controls and operations diagnostic: baseline alert volumes, backlog and cost per case, then pilot AI-assisted case triage on one queue with model-risk documentation regulators can read.
Other firms at the account: Infosys, TCS, Cognizant, Capgemini, McKinsey, BCGmentions unverified
10-K risk factors stress cyber (the bank is a top target), third-party and cloud concentration, AI model risk, and operational resilience.
Jennifer Piepszak
COO · Executive on file, Plan buyer
Relationship
Not mapped
Likely agenda
Cost & operations, AI & agents, Workforce transformation
Account health
59 Focus now · Mega Diamond account; about $59M of planned deals (est.); 1 signal in the last 30 days
Their priorities
Jamie Dimon frames tech and AI as core to staying ahead. Management cites hundreds of AI use cases in production and a stated $1.5-2B of annual value from AI. unverified
2026 adjusted expense guidance was about $105B, with tech spend up again from about $18B in 2025. Management says spend is driven by AI, modernization and new products. unverified
In October 2026 the CFO said 2026 AI costs were running below earlier estimates (see signals). That points to a push for proof of AI productivity, not just more experiments. unverified
Lori Beer is Global CIO. Teresa Heitsenrether leads firmwide data and analytics, including AI. Jeremy Barnum is CFO. unverified
In-house LLM Suite gen-AI platform rolled out to about 200k employees. Agentic AI pilots in operations, coding assistants for 60k+ developers. unverified
Last earnings call (Q3 2026): Capital & buybacks, Rates & NII, AI & automation, Credit quality, Cyber & resilience, Organic growth. Prefers organic investment to buybacks, with about $30B excess capital. Tightening some lending standards. Limits on outside AI agents; gen-AI gains still hard to see in results. 2027 expense around $114B.
Mar 2024 · Gaps in trade surveillance data feeding remediation in data lineage and controls. Regulatory actions
Talking points
"You've proven AI value at scale. The next step is redesigning end-to-end processes around agents, not tasks." Anchor on the $1.5-2B value claim and the CFO's cost-efficiency signal.
Apple Card migration is a high-stakes customer migration. Offer integration and migration factory experience from comparable card portfolio moves.
Capital relief from the lighter Basel III endgame raises the value of balance-sheet optimization and data-quality work.
Plays to raise
Agentic AI operating model for operations, KYC and servicingAI & agentsIdentifiednamed buyer
Why now: Largest US bank; ~$18B+ annual tech budget, AI at scale, CEO succession in view.
Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
Apple Card program migrationPaymentsIdentifiednamed buyer
Why now: Apple Card migration is a high-stakes customer migration.
Ask: A 5-week payments platform blueprint: current-state cost and resilience baseline, target architecture, migration waves and a business case the CFO can take to the board.
Regulatory data lineage and trade surveillance remediation follow-onsRegulatory & riskIdentifiednamed buyer
Why now: In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control.
Ask: A 6-week controls and operations diagnostic: baseline alert volumes, backlog and cost per case, then pilot AI-assisted case triage on one queue with model-risk documentation regulators can read.
Other firms at the account: Infosys, TCS, Cognizant, Capgemini, McKinsey, BCGmentions unverified
10-K risk factors stress cyber (the bank is a top target), third-party and cloud concentration, AI model risk, and operational resilience.
Chief AI / Data Officer / Chief AI / Data Officer
Name not on file · Plan buyer
Relationship
Not mapped
Likely agenda
AI & agents, Data & analytics
Account health
59 Focus now · Mega Diamond account; about $59M of planned deals (est.); 1 signal in the last 30 days
Their priorities
Jamie Dimon frames tech and AI as core to staying ahead. Management cites hundreds of AI use cases in production and a stated $1.5-2B of annual value from AI. unverified
2026 adjusted expense guidance was about $105B, with tech spend up again from about $18B in 2025. Management says spend is driven by AI, modernization and new products. unverified
In October 2026 the CFO said 2026 AI costs were running below earlier estimates (see signals). That points to a push for proof of AI productivity, not just more experiments. unverified
Lori Beer is Global CIO. Teresa Heitsenrether leads firmwide data and analytics, including AI. Jeremy Barnum is CFO. unverified
In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control. unverified
Last earnings call (Q3 2026): Capital & buybacks, Rates & NII, AI & automation, Credit quality, Cyber & resilience, Organic growth. Prefers organic investment to buybacks, with about $30B excess capital. Tightening some lending standards. Limits on outside AI agents; gen-AI gains still hard to see in results. 2027 expense around $114B.
Mar 2024 · Gaps in trade surveillance data feeding remediation in data lineage and controls. Regulatory actions
Talking points
"You've proven AI value at scale. The next step is redesigning end-to-end processes around agents, not tasks." Anchor on the $1.5-2B value claim and the CFO's cost-efficiency signal.
Capital relief from the lighter Basel III endgame raises the value of balance-sheet optimization and data-quality work.
Apple Card migration is a high-stakes customer migration. Offer integration and migration factory experience from comparable card portfolio moves.
Plays to raise
Agentic AI operating model for operations, KYC and servicingAI & agentsIdentifiednamed buyer
Why now: Largest US bank; ~$18B+ annual tech budget, AI at scale, CEO succession in view.
Ask: A 6-week agentic operations diagnostic: map 3-5 high-volume processes, size the capacity release, and put one agent into production-grade pilot with controls and model-risk sign-off.
Other firms at the account: Infosys, TCS, Cognizant, Capgemini, McKinsey, BCGmentions unverified
10-K risk factors stress cyber (the bank is a top target), third-party and cloud concentration, AI model risk, and operational resilience.
Head of Payments / Treasury Services / Head of Payments / Treasury Services
Name not on file · Plan buyer
Relationship
Not mapped
Likely agenda
Payments, Cloud & core
Account health
59 Focus now · Mega Diamond account; about $59M of planned deals (est.); 1 signal in the last 30 days
Their priorities
Payments and wholesale franchise growth, including Kinexys (blockchain, formerly Onyx) and treasury services. unverified
2026 adjusted expense guidance was about $105B, with tech spend up again from about $18B in 2025. Management says spend is driven by AI, modernization and new products. unverified
Zelle and authorized-push-payment fraud scrutiny continues at the state level and in litigation, even after the CFPB dropped its federal suit in 2025. unverified
First Republic (acquired in 2023) is fully integrated. In early 2026 JPMorgan agreed to take over the Apple Card program from Goldman Sachs, a large card migration and integration effort. unverified
Strategic investments in fintech and infrastructure, for example Thought Machine (core banking tech). unverified
Last earnings call (Q3 2026): Capital & buybacks, Rates & NII, AI & automation, Credit quality, Cyber & resilience, Organic growth. Prefers organic investment to buybacks, with about $30B excess capital. Tightening some lending standards. Limits on outside AI agents; gen-AI gains still hard to see in results. 2027 expense around $114B.
Mar 2024 · Gaps in trade surveillance data feeding remediation in data lineage and controls. Regulatory actions
Talking points
Apple Card migration is a high-stakes customer migration. Offer integration and migration factory experience from comparable card portfolio moves.
"You've proven AI value at scale. The next step is redesigning end-to-end processes around agents, not tasks." Anchor on the $1.5-2B value claim and the CFO's cost-efficiency signal.
Capital relief from the lighter Basel III endgame raises the value of balance-sheet optimization and data-quality work.
Plays to raise
Apple Card program migrationPaymentsIdentifiednamed buyer
Why now: Apple Card migration is a high-stakes customer migration.
Ask: A 5-week payments platform blueprint: current-state cost and resilience baseline, target architecture, migration waves and a business case the CFO can take to the board.
Other firms at the account: Infosys, TCS, Cognizant, Capgemini, McKinsey, BCGmentions unverified
10-K risk factors stress cyber (the bank is a top target), third-party and cloud concentration, AI model risk, and operational resilience.
Chief Compliance Officer
Name not on file · Plan buyer
Relationship
Not mapped
Likely agenda
Regulatory & risk, Cyber & resilience, Data & analytics
Account health
59 Focus now · Mega Diamond account; about $59M of planned deals (est.); 1 signal in the last 30 days
Their priorities
Lori Beer is Global CIO. Teresa Heitsenrether leads firmwide data and analytics, including AI. Jeremy Barnum is CFO. unverified
Basel III endgame was re-proposed in a much lighter form in 2025-26, which frees capital. The relief also raises the bar on capital and RWA optimization work. unverified
In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control. unverified
Zelle and authorized-push-payment fraud scrutiny continues at the state level and in litigation, even after the CFPB dropped its federal suit in 2025. unverified
Multi-cloud (AWS, Microsoft Azure, Google Cloud) alongside large private data centers. Multi-year migration of apps to public and private cloud. unverified
Last earnings call (Q3 2026): Capital & buybacks, Rates & NII, AI & automation, Credit quality, Cyber & resilience, Organic growth. Prefers organic investment to buybacks, with about $30B excess capital. Tightening some lending standards. Limits on outside AI agents; gen-AI gains still hard to see in results. 2027 expense around $114B.
Mar 2024 · Gaps in trade surveillance data feeding remediation in data lineage and controls. Regulatory actions
Talking points
Capital relief from the lighter Basel III endgame raises the value of balance-sheet optimization and data-quality work.
"You've proven AI value at scale. The next step is redesigning end-to-end processes around agents, not tasks." Anchor on the $1.5-2B value claim and the CFO's cost-efficiency signal.
Apple Card migration is a high-stakes customer migration. Offer integration and migration factory experience from comparable card portfolio moves.
Plays to raise
Regulatory data lineage and trade surveillance remediation follow-onsRegulatory & riskIdentifiednamed buyer
Why now: In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control.
Ask: A 6-week controls and operations diagnostic: baseline alert volumes, backlog and cost per case, then pilot AI-assisted case triage on one queue with model-risk documentation regulators can read.
Other firms at the account: Infosys, TCS, Cognizant, Capgemini, McKinsey, BCGmentions unverified
10-K risk factors stress cyber (the bank is a top target), third-party and cloud concentration, AI model risk, and operational resilience.
Chief Risk Officer
Name not on file · Plan buyer
Relationship
Not mapped
Likely agenda
Regulatory & risk, Cyber & resilience, Data & analytics
Account health
59 Focus now · Mega Diamond account; about $59M of planned deals (est.); 1 signal in the last 30 days
Their priorities
Lori Beer is Global CIO. Teresa Heitsenrether leads firmwide data and analytics, including AI. Jeremy Barnum is CFO. unverified
Basel III endgame was re-proposed in a much lighter form in 2025-26, which frees capital. The relief also raises the bar on capital and RWA optimization work. unverified
In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control. unverified
Zelle and authorized-push-payment fraud scrutiny continues at the state level and in litigation, even after the CFPB dropped its federal suit in 2025. unverified
Multi-cloud (AWS, Microsoft Azure, Google Cloud) alongside large private data centers. Multi-year migration of apps to public and private cloud. unverified
Last earnings call (Q3 2026): Capital & buybacks, Rates & NII, AI & automation, Credit quality, Cyber & resilience, Organic growth. Prefers organic investment to buybacks, with about $30B excess capital. Tightening some lending standards. Limits on outside AI agents; gen-AI gains still hard to see in results. 2027 expense around $114B.
Mar 2024 · Gaps in trade surveillance data feeding remediation in data lineage and controls. Regulatory actions
Talking points
Capital relief from the lighter Basel III endgame raises the value of balance-sheet optimization and data-quality work.
"You've proven AI value at scale. The next step is redesigning end-to-end processes around agents, not tasks." Anchor on the $1.5-2B value claim and the CFO's cost-efficiency signal.
Apple Card migration is a high-stakes customer migration. Offer integration and migration factory experience from comparable card portfolio moves.
Plays to raise
Regulatory data lineage and trade surveillance remediation follow-onsRegulatory & riskIdentifiednamed buyer
Why now: In 2024 the Fed and OCC fined the bank about $348M for gaps in trade surveillance data, which drove remediation programs in data lineage and control.
Ask: A 6-week controls and operations diagnostic: baseline alert volumes, backlog and cost per case, then pilot AI-assisted case triage on one queue with model-risk documentation regulators can read.
Other firms at the account: Infosys, TCS, Cognizant, Capgemini, McKinsey, BCGmentions unverified
10-K risk factors stress cyber (the bank is a top target), third-party and cloud concentration, AI model risk, and operational resilience.
Sourcing. Built from the account brief, outreach plans, tracked intel and the relationship file. Items without a source link come from model knowledge and are unverified, and deal ranges are estimates. Confirm names and roles before the meeting.