AI exposure: Financial Examiners
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.
Reading this score
computed39.9% of this occupation's weighted task load is exposed, which puts Financial Examiners at the 70th percentile of 923 occupations. The capability is largely there. Its average task scores 2.7 out of 4 on what a current system can produce, and the frictions that hold other jobs in place are comparatively weak here.
What holds the line here is context. Across this occupation's 17 tasks it averages 2.00 out of 3, the highest of the five friction dimensions. In plain terms, the work depends on knowledge the model cannot hold. Much of this job runs on things that were never written down: what this particular organisation does, what happened last week, what the person across the table actually meant. That context is the barrier, and it erodes as systems are given more access.
The most exposed thing this job does is Prepare reports, exhibits, and other supporting schedules that detail an institution's safety..., at 73.3%. The least is Plan, supervise, and review work of assigned subordinates, at 13.3%. A gap of 60.0% between two parts of the same job is the reason this index publishes at task level. An occupation-wide number would have hidden both.
Within business and financial operations occupations, this one is less exposed than the median of 47.5% across the group's 48 roles, with 38 scoring higher. Being in an exposed family does not make a particular job exposed, and the reverse holds too.
What would move this score. Of 17 tasks, 13 are currently banded exposed, 3 assisted and 1 untouched. For that distribution to shift materially would take a change in who is permitted to sign the work, which is a question for regulators rather than for engineers. The score is re-computed every quarter against a fresh capability reference, and the change is published rather than quietly applied.
Task by task
17 tasks, O*NET 31.0| Task | Exposed | Assisted | Untouched | Importance | Band |
|---|---|---|---|---|---|
| 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. | 73.3% | 26.7% | 0.0% | 4.45 | exposed |
| Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities. | 73.3% | 26.7% | 0.0% | 4.13 | exposed |
| Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures. | 52.5% | 35.0% | 12.5% | 3.24 | exposed |
| Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency. | 45.0% | 30.0% | 25.0% | 4.17 | exposed |
| Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures. | 45.0% | 30.0% | 25.0% | 3.50 | exposed |
| 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. | 45.0% | 30.0% | 25.0% | 3.50 | exposed |
| 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. | 42.5% | 32.5% | 25.0% | 4.73 | exposed |
| Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation. | 40.0% | 35.0% | 25.0% | 3.78 | exposed |
| Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact. | 40.0% | 35.0% | 25.0% | 3.74 | exposed |
| Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions. | 35.0% | 40.0% | 25.0% | 4.65 | assisted |
| Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases. | 35.0% | 40.0% | 25.0% | 2.94 | assisted |
| Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines. | 30.0% | 20.0% | 50.0% | 4.04 | exposed |
| Examine the minutes of meetings of directors, stockholders, and committees to investigate the specific authority extended at various levels of management. | 30.0% | 20.0% | 50.0% | 3.96 | exposed |
| Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts. | 26.7% | 23.3% | 50.0% | 4.24 | exposed |
| Train other examiners in the financial examination process. | 26.7% | 23.3% | 50.0% | 3.83 | exposed |
| Provide regulatory compliance training to employees. | 20.0% | 30.0% | 50.0% | 3.59 | assisted |
| Plan, supervise, and review work of assigned subordinates. | 13.3% | 11.7% | 75.0% | 4.13 | untouched |
Task text and importance ratings sourced from O*NET 31.0. Shares computed. The occupation score is the importance-weighted mean.
Where the score comes from
judgedEvery task is scored through the standardised work activities it maps to. These are this occupation’s averages on the six rubric dimensions. Capability is what AI can do; the other five are what stands in the way.
| Dimension | Mean | Scale |
|---|---|---|
| Capability | 2.74 | 0-4 |
| Embodiment | 0.24 | 0-3 |
| Presence | 0.85 | 0-3 |
| Accountability | 1.68 | 0-3 |
| Context | 2.00 | 0-3 |
| Verification cost | 1.74 | 0-3 |
What this means in practice
Where most of a role's weighted task load is exposed, the work that survives is usually the part of the job nobody wrote into the job description: deciding what should be produced rather than producing it, and being answerable for the result. The tasks lowest on this page are a better guide to where to spend your time than any general advice about the future of work.
Occupations either side of this one
The four closest scores in the same occupational family, then the four closest anywhere in the index.
Read this carefully. Exposure is not displacement. A high score means current AI systems can produce this work, not that anyone will stop paying a person to do it. Adoption depends on economics, regulation and inertia that this index deliberately does not model. How the score is built.