Financial Examiners
In short: today's best AI models could do about 37% of this job's working time (projected from METR's April 2026 measurement and Epoch's November 2026 index) if the work were set up for them, and about 74% by the end of 2028 if progress keeps its long-run pace. The conversations, in-person and hands-on work, about 25% of the time, stays with people.
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.
67,830 people do this job in the US. $94,160 a year.
Reviewed on October 2, 2026: what each task is made of, and what handing it over would ask.
A typical 40-hour week
- AI could take on0 h
- A person checks AI's work15 h
- Desk work AI can't do yet15 h
- Stays with people10 h
Financial Examiners, now: of a 40-hour week, AI could take on 0 hours, 15 hours become checking its work, 15 hours are desk work it can't do yet, and 10 hours stay with people.
The largest pieces: Review the books and loan files (about 4 h, a person checks); Investigate institutions' activities (about 2 h, a person checks); Write examination reports (about 2 h, a person checks).
Estimates for a typical week of this job, if progress keeps its long-run pace, counting work the best models finish four times in five. Every task is below.
of the working time. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.
- 74%
- 1%
- 24%
- 1%
- 0%
of the work: Anthropic's measure of what people already bring to Claude at work (2025). It counts help with part of a task, so it can be higher than the share within reach.
On the chosen pace and reliability. Estimate.
Share of the working time within reach, now to 2030
Change assumptionsHide assumptionsLong-run pace, four in five
What each choice means: , , , , . Every pace starts from .
At this date and pace, models finish tasks up to 2.4 work days long four times in five.
What handing it over would take, now
The 37% within reach splits by what a model would need. The dates, pace and reliability follow the controls above. Estimates.
of the working time. The material can be handed to a model and the result handed back.
of the working time. The model has to be connected to the system the work lives in.
is conversation short enough by length. This site leaves conversation with people, so it is not in the total.
How far this has come
With GPT-4, measured in March 2023, 0% of this job's working time was within reach at . With Claude 3.7 Sonnet, measured in February 2025, 0%. With Claude Mythos Preview (early), measured in April 2026, 4%. Today's estimate: 37%.
A backcast: today's task data with the best model METR had measured by each date. It shows how fast the models have moved, not what anyone forecast at the time.
Measured use over time
Of the Claude.ai conversations Anthropic sampled and tied to a work task, 0.085% went to this job's tasks in May 2026, the 182nd largest of the 447 jobs that showed up at all; 2 of its 17 tasks showed up. Within each of Anthropic's methods, never across a change: 0.085% to 0.054% (released February and March 2025); 0.059% to 0.066% (August 2025 to February 2026); 0.09% to 0.085% (April to May 2026).
Each release
| Conversations | Share | Rank | Tasks seen |
|---|---|---|---|
| Released February 2025 | 0.085% | 190 of 708 | 4 of 17 |
| Released March 2025 | 0.054% | 258 of 703 | 3 of 17 |
| The week of Aug 4, 2025 (released September 2025) | 0.059% | 222 of 655 | 2 of 17 |
| The week of Nov 13, 2025 (released January 2026) | 0.054% | 226 of 672 | 3 of 17 |
| The week of Feb 5, 2026 (released March 2026) | 0.066% | 212 of 677 | 3 of 17 |
| April 2026 (released June 2026) | 0.09% | 174 of 434 | 2 of 17 |
| May 2026 (released June 2026) | 0.085% | 182 of 447 | 2 of 17 |
Measured, not estimated: Anthropic's samples of Claude.ai conversations, each tied by a model to an O*NET task, from the Anthropic Economic Index. It says where Claude's use goes, not how much of this job's working time it covers, so it is not on the same scale as the reach above. The releases differ in their sample, their classifier and the smallest share they report (the June 2026 file rounds each task to a hundredth of a percent, so a smaller task reads as none), which is why a change of method starts a new line. At least 96% of each older release's task-tied use matched this site's tasks, and all of the newest. Claude.ai only, so use through other tools and other companies' models is not in it. Every job ranked.
Robots and the physical work
Anthropic rates almost none of this job's working time as physical work, so robots do not reach it.
Anthropic's rating, not this site's estimate: Claude Opus 5, searching the web, rated each physical O*NET task by the kind of setting in which a robot it could cite (deployed, sold or demonstrated) does most of the task, weighted by its own estimate of each task's share of the time (What work can robots do?, September 30, 2026, data CC BY 4.0; every job ranked). A robot shown somewhere is not a robot in your building: cost, setup and safety decide that. The share within reach on this page still counts no body work. The robot behind each rated task is under the task below.
What changes for the people in this job
From the task-by-task review, by the end of 2028 on the long-run pace at four in five. It says which parts of the work stay with people and which change, not whether anyone keeps a job: that depends on decisions no data set can see.
What stays with people
24% of the working time: the conversation, in-person and hands-on parts of the tasks.
- Train other examiners, the conversation, 7%
- Supervise assigned examiners, the conversation, 4%
- Investigate institutions' activities, the conversation, 4%
- Resolve institutions' financial problems, the conversation, 4%
- Set compliance guidelines, the conversation, 3%
- Meet bank directors and management, the in-person work, 2%
What becomes checking the machine
74% of the working time: desk work a model could do by then, in tasks where a mistake costs something or a licensed person signs. A person checks it.
- Review the books and loan files, severe if wrong, 17%
- Investigate institutions' activities, severe if wrong, 17%
- Write examination reports, severe if wrong, 9%
- Set compliance guidelines, costly if wrong, 6%
- Resolve institutions' financial problems, severe if wrong, 6%
- Evaluate institutions' systems, costly if wrong, 3%
What to learn
- Reviewing work you did not do yourself. The tasks under What becomes checking the machine, where a mistake costs something, stay a person's to check: spotting what a draft gets wrong is a skill of its own.
- Briefing a model and checking its drafts. About 74% of the time is documents and data, the part models reach first: writing a clear brief, giving the right material, and checking what comes back.
- Judgment where errors are severe. Some tasks are severe if wrong. Knowing when not to trust an output matters more there than speed.
- Dealing with people outside the organization. Customers, patients, suppliers or the public: trust with them is built by a person.
- The conversations. About 25% of the time is conversation and in-person work, which this site leaves with people: listening, explaining, persuading, calming.
Your own version of this job: read it against your job description. The headline is free; the full personal report, every task with its timeline and what to learn, is $19 (a sample).
The tasks
Sorted by . 17 tasks from .
| Task | ||||
|---|---|---|---|---|
| Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency.Going through the records and transactions, with interviews, to establish whether the law was kept.Done more than yearly by most who do it. | 21% | 2.1 work days6.7 h to 1 work week | Documents 80%, conversation 20% | 25%Desk part half by Feb 2027 |
| Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities.Reading the statements and loan files to confirm what the institution holds and owes.Done more than monthly by most who do it. | 17% | 6.7 h1.7 h to 2.5 work days | Documents 100% | 55%Half by now |
| Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.Working through the portfolio, capital and troubled accounts on paper and with the bank's management.Done more than monthly by most who do it. | 9% | 1.7 work days3.3 h to 4.2 work days | Documents 60%, conversation 40% | 19%Desk part half by Mar 2027 |
| 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.Writing the report, exhibits and schedules on the institution's condition.Done more than monthly by most who do it. | 9% | 1.3 work days3.3 h to 3.1 work days | Documents 100% | 52%Half by now |
| Train other examiners in the financial examination process.Teaching the examination process to colleagues, with the material prepared.Done more than yearly by most who do it. | 9% | 6.7 h1.7 h to 2.1 work days | Conversation 80%, documents 20% | 12%Desk part half by now |
| Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.Writing the procedures for new rules and seeing them put in place.Done more than yearly by most who do it. | 9% | 1.7 work days3.3 h to 4.2 work days | Documents 70%, conversation 30% | 22%Desk part half by Mar 2027 |
| Plan, supervise, and review work of assigned subordinates.Planning the team's work, talking it through with them and reviewing it.Done more than yearly by most who do it. | 7% | 3.3 h50 min to 1 work day | Conversation 60%, documents 40% | 34%Desk part half by now |
| Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures.Reviewing the institution's data systems and writing recommendations.Done more than yearly by most who do it. | 3% | 5 h1.7 h to 2.1 work days | Documents 80%, systems 20% | 73%Half by now |
| 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.Reading the applications against the rules and the public interest and writing the recommendation.Done more than yearly by most who do it. | 3% | 2.1 work days3.3 h to 1.3 work weeks | Documents 100% | 18%Half by Jul 2027 |
| 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.Meetings at the bank, and by phone, to gather information and discuss findings.Done more than weekly by most who do it. | 2% | 1.7 h50 min to 3.3 h | In person 60%, conversation 40% | Stays with people |
| Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.Writing what the institution must do to comply or to stay solvent.Done more than monthly by most who do it. | 2% | 2.5 h50 min to 6.7 h | Documents 100% | 96%Half by now |
| Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.Reading the auditors' reports for gaps in scope and weak controls.Done more than monthly by most who do it. | 2% | 3.3 h50 min to 6.7 h | Documents 100% | 91%Half by now |
Within reach, per task: the share of the task's time whose instances are short enough for a model to finish at the chosen date, pace and reliability. Half by: the date half of that time comes within reach. Made of: how the task's time splits among five kinds of doing. Only the documents and systems parts can count as within reach, so a task that is 30% documents can be at most 30% within reach.
Jobs that share skills with this one
From O*NET's related occupations. Within reach now and by the end of 2028, long-run pace, four in five.
Where this job works
The industry groups that employ the most of it (BLS, May 2025).
- Credit Intermediation and Related Activities (5221 and 5223 only)27,100 people
- Securities, Commodity Contracts, and Other Financial Investments and Related Activities10,670 people
- Federal Executive Branch6,390 people
- State Government, excluding Schools and Hospitals5,340 people
- Management of Companies and Enterprises5,030 people
Where the most of these jobs are
The metro areas with the most people in it (BLS, May 2025).
Questions about this job
- How much of the work of Financial Examiners is within reach of AI now?
- An estimated 37% of the working time is within reach of AI models now and 75% by the end of 2028, on METR's long-run pace at four in five (70% to 75% across the three paces the site shows). Within reach means a model could finish work that long at that reliability. It is not a forecast of jobs lost or of savings.
- Which tasks of Financial Examiners come within reach first?
- Weighted by the time each takes, the tasks with the most within reach now (projected from METR's April 2026 measurement and Epoch's November 2026 index) are: Review the books and loan files (55% of the task's time now, 100% by the end of 2028); Investigate institutions' activities (25% of the task's time now, 80% by the end of 2028); and Write examination reports (52% of the task's time now, 100% by the end of 2028).
- Which tasks of Financial Examiners stay with people?
- Tasks that are people work or body work are not counted as within reach at any date. The largest: Meet bank directors and management; and Confer with industry officials. Together such tasks are about 3% of the working time, and the people and body parts of the other tasks stay with people too.
- What should Financial Examiners learn as AI takes on more of the work?
- By the job's own task-by-task review, the first things to learn are reviewing work you did not do yourself; briefing a model and checking its drafts; and judgment where errors are severe. By the end of 2028 on the long-run pace at four in five, about 24% of the working time stays with people, 74% becomes checking a model's work and 0% could be handed over with lighter checks. It says which parts of the work change, never whether anyone keeps a job.
- Do people already use AI for the work of Financial Examiners?
- In the Claude.ai conversations Anthropic sampled for May 2026 and tied to a work task, 0.085% went to this job's tasks, the 182nd largest share of the 447 jobs that showed up; 2 of its 17 tasks appeared. Anthropic's labor market measure puts the share of the job's tasks seen in real Claude use at work at 4%. These are measures of use, not of how much of the work AI could finish, and they cover Claude only.
- Can robots do the physical work of Financial Examiners?
- Anthropic's robot exposure rating (September 2026) finds almost none of the working time is physical work, so robots do not reach it.
- How is this estimated?
- From the 17 tasks O*NET lists for the occupation, each with an estimated length checked against GDPval and a share of the working time, reviewed one task at a time on October 2, 2026 for what each is made of (documents, business systems, conversation, in person, hands-on), and METR's measurements of how long a task the best AI models can finish, carried forward to the date from the latest, Claude Mythos Preview (early) in April 2026. Data checked November 10, 2026.
This job in your state or metro area
Embed these figures on your site
A small card with the share of working time within reach now and at the end of 2027, 2028 and 2030, the date and a link back. Free under CC BY 4.0; the card carries the credit.
Your own version of this job
The page above is the occupation. Your job is your title and what you actually do: give both, and they are read against these tasks in your browser, nothing sent anywhere. The headline is free: how much of your working time is within reach now and by the end of 2028, and how many of the tasks your description names.
The full personal report is $19, to print or save as a PDF: every task with when it comes within reach, which ones your description names, the parts of your description the task list does not cover, what stays with you, what becomes checking the machine and what to learn.