Financial Examiners
Medium47.79%
Salary Range
Low (10th %)$49,710
Median$84,300
High (90th %)$165,670
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Enforce or ensure compliance with laws and regulations governing financial and securities institutions and financial and real estate transactions. May examine, verify, or authenticate records.
The occupation of Financial Examiners holds an automation risk of 47.8%, which is closely aligned with its base risk estimate of 48.5%. This moderate risk reflects the dual nature of the role: while numerous tasks involve systematic data gathering and regulatory adherence—both attractive targets for automation—critical elements require significant judgment, interpretation, and interpersonal skills. Much of the job is highly structured, relying on routine procedures to monitor compliance and evaluate financial solvency. However, the necessity for nuanced scrutiny in ambiguous or novel scenarios creates a natural bottleneck for algorithms. Among the most automatable functions are activities that can be standardized or transformed into rule-based processes. For example, participating in meetings to gather information and discuss findings often follows scripted formats where AI can assist in documentation and information retrieval. Recommending actions for compliance or solvency could be partially automated through decision-support systems analyzing predefined data criteria. Likewise, preparing routine reports and exhibits can be efficiently handled by algorithms capable of synthesizing financial data and applying report templates, making this aspect particularly susceptible to automation. Conversely, the most resistant tasks are those rooted in analysis, expert judgment, and direct human interaction. Conferencing with officials to discuss complex or sensitive issues requires emotional intelligence, negotiation, and the ability to interpret nuanced context—all qualities where AI remains relatively weak. Physical verification of cash reserves and collateral involves an inspection element difficult to replicate digitally, while the highly discretionary review of applications for mergers or new institutions requires a level of originality and public interest reasoning that machines struggle to mimic. Notably, the bottleneck skill of originality—present at low levels (3.0% and 3.1%)—serves as a guardrail against full automation, indicating that creative problem-solving and innovative thinking are required, even if only periodically. These human-centric components ultimately cap the total risk and protect Financial Examiners as a profession from full-scale automation.
Filter by Automatable Status
Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.
Partially Automatable
Prepare reports, exhibits, and other supporting schedules that detail an institution's safety and soundness, compliance with laws and regulations, and recommended solutions to questionable financial conditions.
Partially Automatable
Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.
Partially Automatable
Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency.
Partially Automatable
Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities.
Partially Automatable
Examine the minutes of meetings of directors, stockholders, and committees to investigate the specific authority extended at various levels of management.
Partially Automatable
Train other examiners in the financial examination process.
Partially Automatable
Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.
Partially Automatable
Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact.
Partially Automatable
Provide regulatory compliance training to employees.
Partially Automatable
Review applications for mergers, acquisitions, establishment of new institutions, acceptance in Federal Reserve System, or registration of securities sales to determine their public interest value and conformance to regulations, and recommend acceptance or rejection.
Partially Automatable
Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures.
Partially Automatable
Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases.
Partially Automatable
Plan, supervise, and review work of assigned subordinates.
Partially Automatable
Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.
Partially Automatable
Direct and participate in formal and informal meetings with bank directors, trustees, senior management, counsels, outside accountants, and consultants to gather information and discuss findings.
Non-Automatable
Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures.
Partially Automatable
Reading ComprehensionActive ListeningLearning StrategiesMonitoringComplex Problem SolvingOperations MonitoringEquipment MaintenanceSystems AnalysisManagement of Personnel ResourcesWritingSpeakingMathematicsScienceCritical ThinkingActive LearningSocial PerceptivenessCoordinationPersuasionNegotiationInstructingService OrientationOperations AnalysisTechnology DesignEquipment SelectionInstallationProgrammingOperation and ControlTroubleshootingRepairingQuality Control AnalysisJudgment and Decision MakingSystems EvaluationTime ManagementManagement of Financial ResourcesManagement of Material Resources
Arm-Hand SteadinessAuditory AttentionCategory FlexibilityControl PrecisionDeductive ReasoningDepth PerceptionDynamic FlexibilityDynamic StrengthExplosive StrengthExtent FlexibilityFar VisionFinger DexterityFlexibility of ClosureFluency of IdeasGlare SensitivityGross Body CoordinationGross Body EquilibriumHearing SensitivityInductive ReasoningInformation OrderingManual DexterityMathematical ReasoningMemorizationMultilimb CoordinationNear VisionNight VisionNumber FacilityOral ComprehensionOral ExpressionOriginalityPerceptual SpeedPeripheral VisionProblem SensitivityRate ControlReaction TimeResponse OrientationSelective AttentionSound LocalizationSpatial OrientationSpeech ClaritySpeech RecognitionSpeed of ClosureSpeed of Limb MovementStaminaStatic StrengthTime SharingTrunk StrengthVisual Color DiscriminationVisualizationWrist-Finger SpeedWritten ComprehensionWritten Expression
Administration and ManagementAdministrativeEconomics and AccountingSales and MarketingCustomer and Personal ServicePersonnel and Human ResourcesProduction and ProcessingFood ProductionComputers and ElectronicsEngineering and TechnologyDesignForeign LanguageHistory and ArcheologyBiologyPsychologySociology and AnthropologyGeographyMedicine and DentistryFine ArtsMechanicalMathematicsPhysicsChemistryEnglish LanguageEducation and TrainingLaw and GovernmentTelecommunicationsCommunications and MediaTransportationTherapy and CounselingPhilosophy and TheologyPublic Safety and SecurityBuilding and Construction
Monitoring Processes, Materials, or SurroundingsGetting InformationIdentifying Objects, Actions, and EventsInspecting Equipment, Structures, or MaterialsEstimating the Quantifiable Characteristics of Products, Events, or InformationJudging the Qualities of Objects, Services, or PeopleProcessing InformationEvaluating Information to Determine Compliance with StandardsAnalyzing Data or InformationMaking Decisions and Solving ProblemsThinking CreativelyUpdating and Using Relevant KnowledgeHandling and Moving ObjectsControlling Machines and ProcessesOperating Vehicles, Mechanized Devices, or EquipmentWorking with ComputersRepairing and Maintaining Electronic EquipmentDocumenting/Recording InformationDrafting, Laying Out, and Specifying Technical Devices, Parts, and EquipmentInterpreting the Meaning of Information for OthersCommunicating with Supervisors, Peers, or SubordinatesCommunicating with People Outside the OrganizationEstablishing and Maintaining Interpersonal RelationshipsAssisting and Caring for OthersSelling or Influencing OthersRepairing and Maintaining Mechanical EquipmentOrganizing, Planning, and Prioritizing WorkResolving Conflicts and Negotiating with OthersPerforming for or Working Directly with the PublicCoordinating the Work and Activities of OthersDeveloping and Building TeamsTraining and Teaching OthersGuiding, Directing, and Motivating SubordinatesCoaching and Developing OthersProviding Consultation and Advice to OthersPerforming Administrative ActivitiesStaffing Organizational UnitsMonitoring and Controlling ResourcesDeveloping Objectives and StrategiesScheduling Work and ActivitiesPerforming General Physical Activities
ACL AnalyticsAuditing softwareFinancial compliance softwareMicrosoft Office softwareMicrosoft OutlookMicrosoft PowerPointMicrosoft ProjectMicrosoft SharePointLexisNexisMicrosoft WordSAP softwareWeb browser softwareMicrosoft AccessStructured query language SQLMicrosoft WindowsSpreadsheet softwarePresentation softwareMicrosoft ExcelPricewaterhouseCoopers TeamMateFinancial transaction analysis softwareInvestigation management softwareNILS INSourceOversight Insights On DemandThomson Reuters Westlaw EdgeMicrosoft VisioMicrosoft Office softwareMicrosoft OutlookMicrosoft PowerPointMicrosoft ProjectMicrosoft SharePointMicrosoft WordSAP softwareMicrosoft AccessStructured query language SQLLexisNexisMicrosoft VisioMicrosoft WindowsPresentation softwareMicrosoft ExcelACL AnalyticsAuditing softwareFinancial compliance softwarePricewaterhouseCoopers TeamMateInvestigation management softwareNILS INSourceOversight Insights On DemandSystem for Electronic Rate and Form Filing SERFFGeneral Examination System GENESYSWord processing softwareSpreadsheet softwareSystem for Electronic Rate and Form Filing SERFFWord processing softwareFinancial transaction analysis softwareThomson Reuters Westlaw EdgeGeneral Examination System GENESYSODEN Insurance Services State Rules & RegulationsODEN Insurance Services State Rules & RegulationsWeb browser software
Chief Executives
Medium38.73%
Determine and formulate policies and provide overall direction of companies or private and public sector organizations within guidelines set up by a board of directors or similar governing body. Plan, direct, or coordinate operational activities at the highest level of management with the help of subordinate executives and staff managers.
Security Managers
Medium48.21%
Direct an organization's security functions, including physical security and safety of employees and facilities.
Financial Managers
Medium52.15%
Plan, direct, or coordinate accounting, investing, banking, insurance, securities, and other financial activities of a branch, office, or department of an establishment.
Treasurers and Controllers
Medium49.16%
Direct financial activities, such as planning, procurement, and investments for all or part of an organization.
Investment Fund Managers
Medium51.60%
Plan, direct, or coordinate investment strategy or operations for a large pool of liquid assets supplied by institutional investors or individual investors.
Compliance Managers
Medium47.57%
Plan, direct, or coordinate activities of an organization to ensure compliance with ethical or regulatory standards.
Management Analysts
Medium51.36%
Conduct organizational studies and evaluations, design systems and procedures, conduct work simplification and measurement studies, and prepare operations and procedures manuals to assist management in operating more efficiently and effectively. Includes program analysts and management consultants.
Compensation, Benefits, and Job Analysis Specialists
Medium44.74%
Conduct programs of compensation and benefits and job analysis for employer. May specialize in specific areas, such as position classification and pension programs.
Accountants and Auditors
Medium50.98%
Examine, analyze, and interpret accounting records to prepare financial statements, give advice, or audit and evaluate statements prepared by others. Install or advise on systems of recording costs or other financial and budgetary data.
Budget Analysts
Medium53.05%
Examine budget estimates for completeness, accuracy, and conformance with procedures and regulations. Analyze budgeting and accounting reports.
Credit Analysts
Medium60.56%
Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decisionmaking.
Financial and Investment Analysts
Medium50.96%
Conduct quantitative analyses of information involving investment programs or financial data of public or private institutions, including valuation of businesses.
Personal Financial Advisors
Medium51.60%
Advise clients on financial plans using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives. May also buy and sell financial assets for clients.
Financial Risk Specialists
Medium55.00%
Analyze and measure exposure to credit and market risk threatening the assets, earning capacity, or economic state of an organization. May make recommendations to limit risk.
Loan Officers
Medium61.78%
Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, loan underwriters, and payday loan officers.
Tax Examiners and Collectors, and Revenue Agents
Medium59.98%
Determine tax liability or collect taxes from individuals or business firms according to prescribed laws and regulations.
Fraud Examiners, Investigators and Analysts
Medium44.97%
Obtain evidence, take statements, produce reports, and testify to findings regarding resolution of fraud allegations. May coordinate fraud detection and prevention activities.
Bookkeeping, Accounting, and Auditing Clerks
High84.94%
Compute, classify, and record numerical data to keep financial records complete. Perform any combination of routine calculating, posting, and verifying duties to obtain primary financial data for use in maintaining accounting records. May also check the accuracy of figures, calculations, and postings pertaining to business transactions recorded by other workers.
Credit Authorizers, Checkers, and Clerks
High74.20%
Authorize credit charges against customers' accounts. Investigate history and credit standing of individuals or business establishments applying for credit. May interview applicants to obtain personal and financial data, determine credit worthiness, process applications, and notify customers of acceptance or rejection of credit.
Eligibility Interviewers, Government Programs
High66.78%
Determine eligibility of persons applying to receive assistance from government programs and agency resources, such as welfare, unemployment benefits, social security, and public housing.
Compensation and Benefits Managers
Medium49.22%
Plan, direct, or coordinate compensation and benefits activities of an organization.
Regulatory Affairs Managers
Medium47.41%
Plan, direct, or coordinate production activities of an organization to ensure compliance with regulations and standard operating procedures.
Claims Adjusters, Examiners, and Investigators
Medium51.05%
Review settled claims to determine that payments and settlements are made in accordance with company practices and procedures. Confer with legal counsel on claims requiring litigation. May also settle insurance claims.
Insurance Underwriters
Medium56.34%
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
Tax Preparers
Medium65.75%
Prepare tax returns for individuals or small businesses.
Actuaries
Medium47.56%
Analyze statistical data, such as mortality, accident, sickness, disability, and retirement rates and construct probability tables to forecast risk and liability for payment of future benefits. May ascertain insurance rates required and cash reserves necessary to ensure payment of future benefits.
Arbitrators, Mediators, and Conciliators
Medium40.62%
Facilitate negotiation and conflict resolution through dialogue. Resolve conflicts outside of the court system by mutual consent of parties involved.
Loan Interviewers and Clerks
High69.88%
Interview loan applicants to elicit information; investigate applicants' backgrounds and verify references; prepare loan request papers; and forward findings, reports, and documents to appraisal department. Review loan papers to ensure completeness, and complete transactions between loan establishment, borrowers, and sellers upon approval of loan.