Financial Examiners
Also called: Bank Examiner, Bank Secrecy Act Anti-Money Laundering Officer (BSA/AML Officer), Credit Union Examiner, Examining OfficerEnforce or ensure compliance with laws and regulations governing financial and securities institutions and financial and real estate transactions. May examine, verify, or authenticate records.
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What the data says: AI could halve the time on 14 of its 17 tasks, yet jobs are projected to grow 9.3% by 2035. In the most exposed occupations, the squeeze shows up first among early-career workers. How to think about this →
About this projection
BLS builds AI into its projections where the research supports it: “BLS generally applies adjustments based on this research conservatively, where there is convincing evidence for a change.”
It also notes a limit: “BLS projection methods are not designed to capture extremely rapid technological change.”
On its AI exposure groups, BLS says exposure “does not imply job loss.”
Recent conditions
- In 2024, 1.8% of people in this work were unemployed, against 3.8% across all occupations Census ACS 2024
- From Sep 2025 to Aug 2026, 4.3 hires for every 10 job openings in finance and insurance, which employs about 68% of people in this work, against 7.3 across all industries BLS JOLTS
One box per opening, filled for each hire; hires beyond the openings are added in a lighter shade. Higher can mean openings get filled, or that people leave often; lower, that jobs go unfilled, or hiring is slow.4.3 this industry7.3 all industries
Median pay by state BLS OEWS May 2025, state estimates
Tap a state for its figures.
Median pay in every state
| State | Median | Middle half earn | Jobs |
|---|---|---|---|
| Alaska | $90,530 | $71,510 to $107,930 | 50 |
| Arizona | $80,260 | $71,460 to $98,110 | 1,910 |
| Arkansas | $57,590 | $56,890 to $92,720 | 540 |
| California | $106,000 | $80,120 to $135,110 | 4,200 |
| Colorado | $99,610 | $77,060 to $128,010 | 1,910 |
| Connecticut | $120,530 | $90,130 to $139,920 | not published |
| Delaware | $92,390 | $58,140 to $120,030 | 430 |
| District of Columbia | $198,720 | $134,470 to $239,240 | 470 |
| Florida | $76,230 | $59,700 to $99,620 | 4,190 |
| Georgia | $77,710 | $60,960 to $107,540 | 1,450 |
| Hawaii | $62,720 | $51,700 to $80,170 | 270 |
| Idaho | $85,260 | $71,800 to $110,390 | 210 |
| Illinois | $93,150 | $77,930 to $127,090 | 4,050 |
| Indiana | $81,300 | $62,320 to $123,800 | 420 |
| Iowa | $80,370 | $62,820 to $104,580 | 1,020 |
| Kansas | $80,420 | $64,480 to $126,620 | 470 |
| Kentucky | $76,260 | $63,260 to $105,510 | 640 |
| Louisiana | $84,310 | $61,100 to $119,030 | 240 |
| Maine | $80,840 | $62,860 to $101,730 | 230 |
| Maryland | $102,980 | $73,540 to $158,060 | 350 |
| Massachusetts | $111,110 | $83,660 to $142,880 | 950 |
| Michigan | $71,050 | $59,030 to $96,010 | 710 |
| Minnesota | $104,260 | $79,350 to $117,390 | 1,280 |
| Mississippi | $85,430 | $53,580 to $110,480 | 420 |
| Missouri | $79,990 | $62,860 to $103,570 | 2,290 |
| Montana | $80,970 | $70,600 to $106,480 | 140 |
| Nebraska | $74,460 | $61,440 to $98,330 | 840 |
| Nevada | $84,650 | $63,790 to $106,850 | 180 |
| New Hampshire | $80,810 | $65,170 to $121,220 | 130 |
| New Jersey | $106,410 | $93,510 to $147,280 | 2,190 |
| New Mexico | $67,950 | $55,700 to $80,360 | 220 |
| New York | $128,920 | $91,940 to $174,130 | 13,480 |
| North Carolina | $100,730 | $76,910 to $126,430 | 2,610 |
| North Dakota | $82,640 | $62,530 to $100,910 | 220 |
| Ohio | $69,040 | $51,030 to $98,620 | 3,680 |
| Oklahoma | $80,760 | $61,580 to $110,570 | 400 |
| Oregon | $94,630 | $76,140 to $105,050 | 820 |
| Pennsylvania | $78,500 | $68,570 to $101,880 | 2,590 |
| Puerto Rico | $37,470 | $37,110 to $49,640 | 1,270 |
| Rhode Island | $94,130 | $65,080 to $124,370 | 320 |
| South Carolina | $86,440 | $65,540 to $137,700 | 480 |
| South Dakota | $88,690 | $62,030 to $112,550 | 150 |
| Tennessee | $87,110 | $64,500 to $121,700 | 500 |
| Texas | $78,140 | $61,370 to $102,670 | 5,230 |
| Utah | $92,000 | $68,830 to $145,110 | 960 |
| Vermont | $74,680 | $72,490 to $90,600 | 170 |
| Virginia | $104,060 | $79,310 to $135,820 | 1,280 |
| Washington | $113,700 | $91,040 to $136,250 | 420 |
| West Virginia | $60,590 | $46,950 to $73,330 | 240 |
| Wisconsin | $86,320 | $75,730 to $106,330 | 580 |
Nationally: $94,160. Shades run from the lowest state median to the highest; a territory below that range takes the lightest. How to read this
How AI touches the work
What AI could speed up, task by task, and where people already use it.
AI could halve the time on 14 of its 17 tasks
| AI rating | Its main tasks | Share of Claude conversations May 2026 |
|---|---|---|
| AI alone | Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions. | 0.06% |
| Not much | 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. | Not published |
| AI alone | 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. | under 0.01% |
| AI + software | Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency. | Not published |
| AI + software | Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities. | Not published |
| AI + software | Plan, supervise, and review work of assigned subordinates. | Not published |
See all 17 tasks
| AI + software | Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines. | Not published |
| AI + software | Examine the minutes of meetings of directors, stockholders, and committees to investigate the specific authority extended at various levels of management. | Not published |
| AI alone | Train other examiners in the financial examination process. | Not published |
| AI alone | Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact. | 0.02% |
| AI + software | Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts. | Not published |
| AI alone | Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation. | Not published |
| AI + software | Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures. | Not published |
| Not much | Provide regulatory compliance training to employees. | Not published |
| AI + software | 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. | Not published |
| AI + software | Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures. | Not published |
| Not much | Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases. | Not published |
Ordered by how important O*NET's respondents rate each task (1 to 5) times the share who say it is part of their job. The ordering is ours. 3 of the 17 have a published share of Claude conversations; “not published” means too few conversations for Anthropic to publish a figure.
Where people already use AI
The tasks above say what AI could speed up. This shows what people are using it for. Its 17 tasks fall under 13 work activities that many occupations share, and Microsoft counted how often each one came up in 200,000 conversations with its Copilot assistant in 2024.
- #17 Implement procedures or processes
- #47 Assess characteristics or impacts of regulations or policies
| Work activity | This occupation's tasks under it | People asked AI for help in 10,000 conversations |
AI did it for them in 10,000 conversations |
|---|---|---|---|
| Examine financial activities, operations, or systems | |||
| Monitor operations to ensure adequate performance | |||
| Coordinate activities with clients, agencies, or organizations | |||
| Train others on operational or work procedures | |||
| Implement procedures or processes | |||
| Assess characteristics or impacts of regulations or policies | |||
| Evaluate the quality or accuracy of data | |||
| Examine materials or documentation for accuracy or compliance |
Show all 13 activities
| Advise others on legal or regulatory matters | |||
| Monitor financial data or activities | |||
| Prepare reports of operational or procedural activities | |||
| Develop organizational policies, systems, or processes | |||
| Supervise personnel activities |
How people in this work use Claude
What people in this work made with Claude % of conversations
- A document or report30%
- An explanation or answer21%
- Advice or a recommendation13%
- An analysis or summary13%
- An email or message9%
How they worked with Claude
75% of these conversations were about work. Anthropic Economic Index, May 2026.
How to read this
Work activities come from O*NET, which links every task to the broader activities it involves. Microsoft's figures are for the activity across everyone who used Copilot, not for financial examiners specifically. Copilot is a general chat assistant; dedicated coding tools are not included, so programming help is under-counted here. Activities are listed by how many of this occupation's tasks fall under them.
The task ratings say whether AI could halve the time a task takes: on its own (“AI alone”), or with software built on it (“AI + software”). They were made by people in 2023 (Eloundou et al.). Claude's share is the task's share of all Claude.ai conversations in May 2026; Anthropic doesn't publish a task with too few conversations. None of these add up to the BLS exposure group, which combines five research measures.
More in the Guide: task ratings · task order · work activities · Copilot figures · Claude
High exposure doesn't mean fewer jobs
BLS projects most occupations in its two most exposed groups to grow: 141 of 206 rated Very high and 165 of 206 rated High. Each dot is one of the 831 occupations BLS rates.
Career moves into and out of this occupation
From moves between occupations found in online resumes, 2002–2016. Career changes only: a first job after school isn't a move.
Where people moved next
of 6,230 moves out
- 1 Managers, All Other (2010 group) an older group BLS has since split; no exposure group today 6%
- 2 Loan Officers Very high +1.1% 6%
- 3 General and Operations Managers High +5.0% 5%
- 4 Management Analysts Very high +10.1% 4%
- 5 Private Detectives and Investigators High +5.5% 4%
Where people moved in from
of 6,905 moves in
- 1 Loan Officers Very high +1.1% 6%
- 2 Managers, All Other (2010 group) an older group BLS has since split; no exposure group today 5%
- 3 Customer Service Representatives Very high -5.3% 4%
- 4 General and Operations Managers High +5.0% 4%
- 5 First-Line Supervisors of Office and Administrative Support Workers Very high +0.1% 3%
Resumes over-represent younger, white-collar job-seekers and moves into management. Schubert, Stansbury and Taska (resume data).
Education and training for the occupation
O*NET survey of workers in this occupation
- 87% bachelor's
- 9% post-bachelor's certificate
- 4% master's
O*NET 31.0 survey of workers in this occupation · 23 people answered.
Census survey (American Community Survey)
- 10% high school
- 8% some college
- 1% associate's
- 57% bachelor's
- 21% master's
- 2% professional degree
Census ACS 2024, all workers in this occupation · 232 people surveyed.
Why the two can differ
O*NET asks about 20 people in each occupation, which makes its shares uncertain, but it reports the exact occupation and counts certificates. The Census survey reaches thousands, but it groups some occupations together and counts degrees only. More in the Guide
Median pay by highest degree full-time, year-round · Census ACS 2024, all workers in this occupation
5 programs, such as Suspension and Debarment Investigation, Financial Forensics and Fraud Investigation and Accounting.
See all
- Suspension and Debarment Investigation
- Financial Forensics and Fraud Investigation
- Accounting
- Auditing
- Taxation
Jobs that require a credential BLS Occupational Requirements Survey 2023
16.1% this occupation
45.3% all occupations
| By kind | This occupation | All occupations |
|---|---|---|
| a license | <0.5% | 19.1% |
| an educational certificate | <0.5% | 2.8% |
| a certification | not published |
Share of jobs whose employer requires it. BLS doesn't say which credential. How to read this
Look up certifications, training and licenses U.S. Department of Labor
- Certification Finder ↗ certifications CareerOneStop lists for this occupation
- Training Finder ↗ schools and programs, nationwide; narrow the place there
- License Finder ↗ licenses by state
- Apprenticeships: DOL's list of apprenticeable occupations doesn't include this one.
These open in a new tab and send only the occupation's public code. More in the Guide
BLS AI exposure categories (Aug 2026) · BLS Employment Projections 2025–35 · O*NET 31.0 · Task ratings: Eloundou et al., Science (2024) · Microsoft "Working with AI" v1.1 · Anthropic Economic Index (2026-06-26) · Schubert, Stansbury and Taska · NCES CIP–SOC · Census ACS 2024 · BLS JOLTS · Brynjolfsson, Chandar and Chen, Stanford (Aug 2026)
See it online, and explore any career: https://www.pathmosaic.com/card/13-2061.00