Financial Examiner

O*NET: Financial Examiners·13-2061.00

The Verdict:Financial examiners blend data review, on-site meetings, and judgments on solvency/compliance. AI excels at routine audits and risk flagging, but human discretion in investigations, recommendations, and regulatory interpretation remains essential. The role will evolve with AI analysis aid, staying stable over the next decade as oversight demands persist.

Resilience Score

/100

Resilient

Score tiers

Highly Resilient81–100

Resilient61–80

Moderate Risk41–60

High Risk21–40

Critical Risk0–20

How is this scored?

Task Resilience

How much of this role's daily work remains beyond AI and robotic automation.

30% of score

Physical Presence

The degree to which this job needs a human present — hands-on, in the field, or in the room.

20% of score

Human Necessity

How important the unique human edge is — for trust, accountability, or judgment.

15% of score

Regulatory Shield

How strong the legal requirement is for a human in this job (by law, licensing, or credentials).

13% of score

Technological Maturity

How far AI remains from performing this role's core functions.

10% of score

Displacement Evidence

The volume of jobs in this field being eliminated by AI or automation right now.

12% of score

Score last updated: February 2026Full methodology

Avg Salary

Median annual wage from the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS), May 2024 release.

$90k

Job Growth (10yr)

Projected change in total number of jobs (not salary) from 2024–2034. Source: Bureau of Labor Statistics Employment Projections.

+18.5%

AI Exposure

Percentage of this role's analyzed tasks that AI can handle autonomously or nearly so. 1 of 17 tasks are classified as AI-exposed.

Low exposure

Task Analysis

Most of this role rewards AI fluency.
53% of tasks (9 of 17) become more productive with AI tools — learning to use them is the highest-leverage career move.

1exposed

9AI leverage

7human-essential

View all 17 tasks

AI Can Handle This1 task

Tasks AI can do autonomously or nearly so

Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities.

AI Leverage9 tasks

Master these tools — humans who do outperform those who don't

Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.

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.

Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency.

Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.

Examine the minutes of meetings of directors, stockholders, and committees to investigate the specific authority extended at various levels of management.

Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.

Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact.

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.

Human Advantage7 tasks

Tasks requiring trust, presence, or novel judgment

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.

Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.

Plan, supervise, and review work of assigned subordinates.

Train other examiners in the financial examination process.

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.

Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases.

Resilience Landscape

Financial Examiner lands in Stable & Well-Paid

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