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• Nov 21, 2025


Artificial intelligence tools can feel magical; like the latest technological wizardry of the digital age. But when Chad Koziel hears that, he gets defensive. Just a little bit.

Koziel is the Associate Vice President, Layer 6, Gen AI Delivery and describes his role at TD as bringing AI to market and putting it in the hands of clients and colleagues. He says Banks like TD have been embedding AI models into their processes for years. What's different now, is the scale of AI – and that with free generative AI tools readily available, the general public can experience AI and begin to understand its potential.

He joins host Grant McDonald on The Banking AI podcast to talk about why Banks like TD are excellent incubators for AI innovation, why predicting what's next in the field of AI can be tricky, and how he applies the lessons he learned as a professional poker player to his work at the Bank.

Listen to the full episode below, on Spotify and Apple Podcasts.

Want to learn more about Innovation?
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