Financial Examiners
SOC: 13-2061.00 · Job Zone 4 (Considerable preparation)
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.
AI Impact Summary
Financial Examiners faces moderate AI displacement risk with a score of 37/100. Significant displacement is estimated between 2041 and 2051. Of 17 analyzed tasks, 3 are highly automatable, particularly in routine_cognitive. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.
Wage & Employment (2024)
Median Wage
$90,400
per year
Mean Wage
$103,650
per year
Employment
63K
workers
Wage Range
$53,420 - $171,540
10th - 90th pct
Wage Distribution
Protective Factors
Total protective discount: 24.8%
Skill Analysis
AI-Vulnerable Skills (6)
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Programming is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
AI-Resistant Skills (7)
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Instructing is AI-resistant — strengthening this skill provides durable career protection.
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Manual Dexterity is AI-resistant — strengthening this skill provides durable career protection.
AI-Augmented Skills (5)
Recommendations
Skills to Develop
These skills are at risk from AI automation. Financial Examiners professionals should diversify beyond them.
- Reading Comprehension
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Information Ordering
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Memorization
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Skills to Leverage
These human-centric skills remain difficult for AI to replicate. Double down here.
- Coordination
Coordination is AI-resistant — strengthening this skill provides durable career protection.
- Complex Problem Solving
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
- Instructing
Instructing is AI-resistant — strengthening this skill provides durable career protection.
- Social Perceptiveness
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
- Negotiation
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
Tools to Adopt
AI can amplify these skills. Learn the tools that augment rather than replace your work.
- Critical Thinking
Critical Thinking will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Active Learning
Active Learning will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Writing
Writing will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Judgment and Decision Making
Judgment and Decision Making will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Systems Analysis
Systems Analysis will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
Task Breakdown
17 tasks analyzed
Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency.
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.
Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.
Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.
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.
Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities.
Plan, supervise, and review work of assigned subordinates.
Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.
Train other examiners in the financial examination process.
Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact.
Examine the minutes of meetings of directors, stockholders and committees to investigate the specific authority extended at various levels of management.
Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases.
Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.
Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures.
Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures.
Provide regulatory compliance training to employees.
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.
| Task | Category | AI Capability | Risk Score | Time % |
|---|---|---|---|---|
| Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency. | Non-Routine Analytical | 65 | 53.0 | 12% |
| 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. | Non-Routine Analytical | 60 | 51.0 | 10% |
| Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions. | Non-Routine Analytical | 50 | 47.0 | 8% |
| Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts. | Non-Routine Analytical | 45 | 45.0 | 8% |
| 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-Routine Interpersonal | 15 | 21.0 | 10% |
| Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities. | Routine Cognitive | 90 | 85.2 | 10% |
| Plan, supervise, and review work of assigned subordinates. | Non-Routine Interpersonal | 15 | 21.0 | 6% |
| Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines. | Non-Routine Analytical | 65 | 53.0 | 6% |
| Train other examiners in the financial examination process. | Non-Routine Interpersonal | 20 | 23.0 | 4% |
| Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact. | Non-Routine Analytical | 75 | 57.0 | 5% |
| Examine the minutes of meetings of directors, stockholders and committees to investigate the specific authority extended at various levels of management. | Routine Cognitive | 85 | 83.2 | 4% |
| Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases. | Non-Routine Interpersonal | 15 | 21.0 | 4% |
| Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation. | Non-Routine Analytical | 55 | 49.0 | 3% |
| Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures. | Non-Routine Analytical | 55 | 49.0 | 3% |
| Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures. | Routine Cognitive | 80 | 81.2 | 3% |
| Provide regulatory compliance training to employees. | Non-Routine Interpersonal | 20 | 23.0 | 2% |
| 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. | Non-Routine Analytical | 50 | 47.0 | 2% |
Community Assessment
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