In the inaugural episode of Return on Intelligence on Markets Plus, Mona Malone, Chief Administrative Officer, Chief Human Resources Officer and Head of People, Culture & Brand, BMO Financial Group, and Kristin Milchanowski, Chief AI and Quantum Officer at BMO, explore what it really takes to turn AI investment into sustainable competitive advantage, drawing on the leadership principles behind Kristin’s new book, Return on Intelligence, which underscores the importance of responsible leadership, ethical design, and trust at scale.

As AI adoption accelerates, leaders face growing pressure to demonstrate value beyond traditional ROI. Mona and Kristin reframe the conversation around return on intelligence by examining how trust, judgment, governance, talent, and empathetic design shape AI outcomes that endure. They discuss why AI’s true value lies not just in automation, but in the insights it reveals, offering a practical, human‑centered playbook for scaling AI responsibly in complex, regulated environments.

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