The conversation between Treasury Secretary Scott Bessent and Federal Reserve Chair Jerome Powell with Wall Street's senior leadership last month was not theoretical. When high-ranking financial regulators convene with executives to discuss artificial intelligence threats to deposit accounts, it signals that the banking industry faces a novel and potentially systemic vulnerability—one that traditional fraud detection systems were not designed to anticipate or stop. Bessent's subsequent warning about AI-powered account hacking reflects a hardening consensus among policymakers: the financial sector's cybersecurity posture is entering a period of acute stress. Unlike conventional cybercriminals who exploit known vulnerabilities or human error through phishing campaigns, AI-driven attacks operate at a different scale and velocity.…