Financial Examiner

O*NET: Financial Examiners·13-2061.00

The Verdict:Financial examination rests on regulatory authority exercised by credentialed humans. AI sharpens document review and anomaly detection, making examiners more productive without replacing investigative judgment. On-site examinations and enforcement discussions with institutional leadership demand human presence and discretion. Legal mandates for human oversight remain firm.

Top shield:Regulatory Shield72

Top risk:Physical Presence15

Resilience Score

/100

Moderate Risk

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. 4 of 17 tasks are classified as AI-exposed.

24%

Low exposure

Task Analysis

This role has a mixed AI profile.
4 tasks are automatable, 41% reward AI fluency, and 6 remain human-essential.

AI Can Handle This4 tasks

Tasks AI can do autonomously or nearly so

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.

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

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.

AI Leverage7 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.

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

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

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

Human Advantage6 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.

Plan, supervise, and review work of assigned subordinates.

Train other examiners in the financial examination process.

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

Resilience Landscape

Financial Examiner lands in Stable & Well-Paid

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