[Core] [23% incumbents] 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.
  DWAs: Coordinate with external parties to exchange information. | Confer with others about financial matters.

[Core] [23% incumbents] Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.
  DWAs: Advise others on legal or regulatory compliance matters.

[Core] [23% incumbents] 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.
  DWAs: Prepare operational reports.

[Core] [23% incumbents] Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.
  DWAs: Implement financial decisions.

[Core] [23% incumbents] Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency.
  DWAs: Examine financial records or processes.

[Core] [23% incumbents] Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities.
  DWAs: Monitor financial indicators.

[Core] [23% incumbents] Plan, supervise, and review work of assigned subordinates.
  DWAs: Supervise employees.

[Core] [23% incumbents] Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.
  DWAs: Monitor organizational processes.

[Core] [23% incumbents] Examine the minutes of meetings of directors, stockholders, and committees to investigate the specific authority extended at various levels of management.
  DWAs: Monitor organizational processes.

[Core] [23% incumbents] Train other examiners in the financial examination process.
  DWAs: Train personnel to enhance job skills.

[Core] [23% incumbents] Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.
  DWAs: Establish organizational guidelines or policies.

[Core] [23% incumbents] Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact.
  DWAs: Evaluate applicable laws and regulations to determine impact on organizational activities.

[Core] [23% incumbents] Provide regulatory compliance training to employees.
  DWAs: Train personnel in organizational or compliance procedures.

[Core] [23% incumbents] Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures.
  DWAs: Examine financial records or processes.

[Core] [23% incumbents] 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.
  DWAs: Review license or permit applications.

[Core] [23% incumbents] Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures.
  DWAs: Verify accuracy of financial information. | Examine financial records.

[Supplemental] [23% incumbents] Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases.
  DWAs: Confer with others about financial matters.

--- SKILLS ---
  Reading Comprehension (imp:4.12 lvl:4.25) — Understanding written sentences and paragraphs in work-related documents.
  Critical Thinking (imp:4.12 lvl:4.50) — Using logic and reasoning to identify the strengths and weaknesses of alternativ
  Active Listening (imp:4.00 lvl:4.12) — Giving full attention to what other people are saying, taking time to understand
  Writing (imp:4.00 lvl:4.00) — Communicating effectively in writing as appropriate for the needs of the audienc
  Speaking (imp:4.00 lvl:4.12) — Talking to others to convey information effectively.
  Monitoring (imp:3.88 lvl:4.25) — Monitoring/Assessing performance of yourself, other individuals, or organization
  Mathematics (imp:3.62 lvl:3.88) — Using mathematics to solve problems.
  Active Learning (imp:3.62 lvl:4.12) — Understanding the implications of new information for both current and future pr
  Learning Strategies (imp:3.38 lvl:3.88) — Selecting and using training/instructional methods and procedures appropriate fo
  Science (imp:1.25 lvl:0.25) — Using scientific rules and methods to solve problems.

--- KNOWLEDGE ---
  English Language (imp:4.35 lvl:4.30) — Knowledge of the structure and content of the English language including the mea
  Economics and Accounting (imp:4.09 lvl:4.61) — Knowledge of economic and accounting principles and practices, the financial mar
  Law and Government (imp:3.23 lvl:3.52) — Knowledge of laws, legal codes, court procedures, precedents, government regulat
  Mathematics (imp:3.13 lvl:4.17) — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their appl
  Administration and Management (imp:3.05 lvl:4.04) — Knowledge of business and management principles involved in strategic planning, 
  Computers and Electronics (imp:2.65 lvl:3.09) — Knowledge of circuit boards, processors, chips, electronic equipment, and comput
  Administrative (imp:2.48 lvl:3.30) — Knowledge of administrative and office procedures and systems such as word proce
  Customer and Personal Service (imp:2.35 lvl:2.70) — Knowledge of principles and processes for providing customer and personal servic
  Personnel and Human Resources (imp:2.30 lvl:2.48) — Knowledge of principles and procedures for personnel recruitment, selection, tra
  Education and Training (imp:2.30 lvl:2.74) — Knowledge of principles and methods for curriculum and training design, teaching
  Communications and Media (imp:2.05 lvl:1.78) — Knowledge of media production, communication, and dissemination techniques and m
  Psychology (imp:1.74 lvl:1.50) — Knowledge of human behavior and performance; individual differences in ability, 
  Telecommunications (imp:1.57 lvl:0.35) — Knowledge of transmission, broadcasting, switching, control, and operation of te
  Public Safety and Security (imp:1.52 lvl:0.96) — Knowledge of relevant equipment, policies, procedures, and strategies to promote
  Transportation (imp:1.48 lvl:0.87) — Knowledge of principles and methods for moving people or goods by air, rail, sea
  Production and Processing (imp:1.43 lvl:0.87) — Knowledge of raw materials, production processes, quality control, costs, and ot
  Sales and Marketing (imp:1.30 lvl:0.74) — Knowledge of principles and methods for showing, promoting, and selling products
  Sociology and Anthropology (imp:1.30 lvl:0.65) — Knowledge of group behavior and dynamics, societal trends and influences, human 
  Geography (imp:1.30 lvl:0.87) — Knowledge of principles and methods for describing the features of land, sea, an
  History and Archeology (imp:1.26 lvl:0.48) — Knowledge of historical events and their causes, indicators, and effects on civi
  Engineering and Technology (imp:1.22 lvl:0.48) — Knowledge of the practical application of engineering science and technology. Th
  Design (imp:1.17 lvl:0.48) — Knowledge of design techniques, tools, and principles involved in production of 
  Philosophy and Theology (imp:1.17 lvl:0.43) — Knowledge of different philosophical systems and religions. This includes their 
  Mechanical (imp:1.13 lvl:0.22) — Knowledge of machines and tools, including their designs, uses, repair, and main
  Therapy and Counseling (imp:1.13 lvl:0.30) — Knowledge of principles, methods, and procedures for diagnosis, treatment, and r
  Foreign Language (imp:1.13 lvl:0.30) — Knowledge of the structure and content of a foreign (non-English) language inclu
  Building and Construction (imp:1.09 lvl:0.22) — Knowledge of materials, methods, and the tools involved in the construction or r
  Medicine and Dentistry (imp:1.04 lvl:0.04) — Knowledge of the information and techniques needed to diagnose and treat human i
  Fine Arts (imp:1.04 lvl:0.09) — Knowledge of the theory and techniques required to compose, produce, and perform
  Food Production (imp:1.00) — Knowledge of techniques and equipment for planting, growing, and harvesting food
  Physics (imp:1.00) — Knowledge and prediction of physical principles, laws, their interrelationships,
  Chemistry (imp:1.00) — Knowledge of the chemical composition, structure, and properties of substances a
  Biology (imp:1.00) — Knowledge of plant and animal organisms, their tissues, cells, functions, interd

--- ABILITIES ---
  Written Comprehension (imp:4.25 lvl:4.75) — The ability to read and understand information and ideas presented in writing.
  Oral Expression (imp:4.12 lvl:4.88) — The ability to communicate information and ideas in speaking so others will unde
  Deductive Reasoning (imp:4.12 lvl:4.62) — The ability to apply general rules to specific problems to produce answers that 
  Inductive Reasoning (imp:4.12 lvl:4.50) — The ability to combine pieces of information to form general rules or conclusion
  Oral Comprehension (imp:4.00 lvl:4.62) — The ability to listen to and understand information and ideas presented through 
  Written Expression (imp:4.00 lvl:4.12) — The ability to communicate information and ideas in writing so others will under
  Problem Sensitivity (imp:4.00 lvl:4.25) — The ability to tell when something is wrong or is likely to go wrong. It does no
  Near Vision (imp:4.00 lvl:4.12) — The ability to see details at close range (within a few feet of the observer).
  Category Flexibility (imp:3.88 lvl:4.00) — The ability to generate or use different sets of rules for combining or grouping
  Speech Recognition (imp:3.88 lvl:3.88) — The ability to identify and understand the speech of another person.
  Speech Clarity (imp:3.88 lvl:3.88) — The ability to speak clearly so others can understand you.
  Information Ordering (imp:3.75 lvl:3.88) — The ability to arrange things or actions in a certain order or pattern according
  Mathematical Reasoning (imp:3.50 lvl:3.88) — The ability to choose the right mathematical methods or formulas to solve a prob
  Number Facility (imp:3.12 lvl:4.00) — The ability to add, subtract, multiply, or divide quickly and correctly.
  Flexibility of Closure (imp:3.12 lvl:3.12) — The ability to identify or detect a known pattern (a figure, object, word, or so
  Selective Attention (imp:3.12 lvl:3.00) — The ability to concentrate on a task over a period of time without being distrac
  Fluency of Ideas (imp:3.00 lvl:3.38) — The ability to come up with a number of ideas about a topic (the number of ideas
  Originality (imp:3.00 lvl:3.12) — The ability to come up with unusual or clever ideas about a given topic or situa
  Speed of Closure (imp:3.00 lvl:3.00) — The ability to quickly make sense of, combine, and organize information into mea
  Perceptual Speed (imp:3.00 lvl:3.00) — The ability to quickly and accurately compare similarities and differences among
  Memorization (imp:2.75 lvl:2.88) — The ability to remember information such as words, numbers, pictures, and proced
  Far Vision (imp:2.62 lvl:2.75) — The ability to see details at a distance.
  Visualization (imp:2.38 lvl:2.12) — The ability to imagine how something will look after it is moved around or when 
  Time Sharing (imp:2.38 lvl:2.00) — The ability to shift back and forth between two or more activities or sources of
  Visual Color Discrimination (imp:2.00 lvl:1.75) — The ability to match or detect differences between colors, including shades of c
  Auditory Attention (imp:1.88 lvl:1.75) — The ability to focus on a single source of sound in the presence of other distra
  Finger Dexterity (imp:1.75 lvl:1.38) — The ability to make precisely coordinated movements of the fingers of one or bot
  Hearing Sensitivity (imp:1.75 lvl:1.38) — The ability to detect or tell the differences between sounds that vary in pitch 
  Trunk Strength (imp:1.62 lvl:1.12) — The ability to use your abdominal and lower back muscles to support part of the 
  Wrist-Finger Speed (imp:1.38 lvl:0.50) — The ability to make fast, simple, repeated movements of the fingers, hands, and 
  Depth Perception (imp:1.25 lvl:0.25) — The ability to judge which of several objects is closer or farther away from you
  Arm-Hand Steadiness (imp:1.12 lvl:0.12) — The ability to keep your hand and arm steady while moving your arm or while hold
  Manual Dexterity (imp:1.12 lvl:0.12) — The ability to quickly move your hand, your hand together with your arm, or your
  Spatial Orientation (imp:1.00) — The ability to know your location in relation to the environment or to know wher
  Control Precision (imp:1.00) — The ability to quickly and repeatedly adjust the controls of a machine or a vehi
  Multilimb Coordination (imp:1.00) — The ability to coordinate two or more limbs (for example, two arms, two legs, or
  Response Orientation (imp:1.00) — The ability to choose quickly between two or more movements in response to two o
  Rate Control (imp:1.00) — The ability to time your movements or the movement of a piece of equipment in an
  Reaction Time (imp:1.00) — The ability to quickly respond (with the hand, finger, or foot) to a signal (sou
  Speed of Limb Movement (imp:1.00) — The ability to quickly move the arms and legs.
  Static Strength (imp:1.00) — The ability to exert maximum muscle force to lift, push, pull, or carry objects.
  Explosive Strength (imp:1.00) — The ability to use short bursts of muscle force to propel oneself (as in jumping
  Dynamic Strength (imp:1.00) — The ability to exert muscle force repeatedly or continuously over time. This inv
  Stamina (imp:1.00) — The ability to exert yourself physically over long periods of time without getti
  Extent Flexibility (imp:1.00) — The ability to bend, stretch, twist, or reach with your body, arms, and/or legs.
  Dynamic Flexibility (imp:1.00) — The ability to quickly and repeatedly bend, stretch, twist, or reach out with yo
  Gross Body Coordination (imp:1.00) — The ability to coordinate the movement of your arms, legs, and torso together wh
  Gross Body Equilibrium (imp:1.00) — The ability to keep or regain your body balance or stay upright when in an unsta
  Night Vision (imp:1.00) — The ability to see under low-light conditions.
  Peripheral Vision (imp:1.00) — The ability to see objects or movement of objects to one's side when the eyes ar
  Glare Sensitivity (imp:1.00) — The ability to see objects in the presence of a glare or bright lighting.
  Sound Localization (imp:1.00) — The ability to tell the direction from which a sound originated.

--- WORK ACTIVITIES ---
  Getting Information (imp:4.70 lvl:5.30) — Observing, receiving, and otherwise obtaining information from all relevant sour
  Evaluating Information to Determine Compliance with Standards (imp:4.65 lvl:5.43) — Using relevant information and individual judgment to determine whether events o
  Analyzing Data or Information (imp:4.52 lvl:5.48) — Identifying the underlying principles, reasons, or facts of information by break
  Communicating with Supervisors, Peers, or Subordinates (imp:4.48 lvl:5.26) — Providing information to supervisors, co-workers, and subordinates by telephone,
  Making Decisions and Solving Problems (imp:4.23 lvl:5.22) — Analyzing information and evaluating results to choose the best solution and sol
  Communicating with People Outside the Organization (imp:4.14 lvl:5.18) — Communicating with people outside the organization, representing the organizatio
  Organizing, Planning, and Prioritizing Work (imp:4.09 lvl:5.18) — Developing specific goals and plans to prioritize, organize, and accomplish your
  Working with Computers (imp:4.09 lvl:3.18) — Using computers and computer systems (including hardware and software) to progra
  Establishing and Maintaining Interpersonal Relationships (imp:4.09 lvl:5.05) — Developing constructive and cooperative working relationships with others, and m
  Identifying Objects, Actions, and Events (imp:4.04 lvl:4.96) — Identifying information by categorizing, estimating, recognizing differences or 
  Documenting/Recording Information (imp:4.04 lvl:4.48) — Entering, transcribing, recording, storing, or maintaining information in writte
  Updating and Using Relevant Knowledge (imp:4.00 lvl:5.35) — Keeping up-to-date technically and applying new knowledge to your job.
  Processing Information (imp:3.96 lvl:5.13) — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying
  Developing and Building Teams (imp:3.73 lvl:4.30) — Encouraging and building mutual trust, respect, and cooperation among team membe
  Interpreting the Meaning of Information for Others (imp:3.68 lvl:4.26) — Translating or explaining what information means and how it can be used.
  Judging the Qualities of Objects, Services, or People (imp:3.65 lvl:4.64) — Assessing the value, importance, or quality of things or people.
  Coordinating the Work and Activities of Others (imp:3.61 lvl:4.57) — Getting members of a group to work together to accomplish tasks.
  Monitoring Processes, Materials, or Surroundings (imp:3.57 lvl:4.09) — Monitoring and reviewing information from materials, events, or the environment,
  Coaching and Developing Others (imp:3.39 lvl:4.30) — Identifying the developmental needs of others and coaching, mentoring, or otherw
  Developing Objectives and Strategies (imp:3.26 lvl:3.78) — Establishing long-range objectives and specifying the strategies and actions to 
  Guiding, Directing, and Motivating Subordinates (imp:3.22 lvl:3.96) — Providing guidance and direction to subordinates, including setting performance 
  Resolving Conflicts and Negotiating with Others (imp:3.17 lvl:4.09) — Handling complaints, settling disputes, and resolving grievances and conflicts, 
  Training and Teaching Others (imp:3.17 lvl:3.70) — Identifying the educational needs of others, developing formal educational or tr
  Providing Consultation and Advice to Others (imp:3.17 lvl:4.04) — Providing guidance and expert advice to management or other groups on technical,
  Scheduling Work and Activities (imp:2.91 lvl:3.70) — Scheduling events, programs, and activities, as well as the work of others.
  Performing Administrative Activities (imp:2.87 lvl:3.39) — Performing day-to-day administrative tasks such as maintaining information files
  Estimating the Quantifiable Characteristics of Products, Events, or Information (imp:2.57 lvl:2.22) — Estimating sizes, distances, and quantities; or determining time, costs, resourc
  Staffing Organizational Units (imp:2.52 lvl:2.95) — Recruiting, interviewing, selecting, hiring, and promoting employees in an organ
  Thinking Creatively (imp:2.43 lvl:3.13) — Developing, designing, or creating new applications, ideas, relationships, syste
  Selling or Influencing Others (imp:2.26 lvl:2.36) — Convincing others to buy merchandise/goods or to otherwise change their minds or
  Monitoring and Controlling Resources (imp:2.04 lvl:2.17) — Monitoring and controlling resources and overseeing the spending of money.
  Assisting and Caring for Others (imp:1.83 lvl:1.57) — Providing personal assistance, medical attention, emotional support, or other pe
  Performing for or Working Directly with the Public (imp:1.74 lvl:1.39) — Performing for people or dealing directly with the public. This includes serving
  Inspecting Equipment, Structures, or Materials (imp:1.65 lvl:1.39) — Inspecting equipment, structures, or materials to identify the cause of errors o
  Operating Vehicles, Mechanized Devices, or Equipment (imp:1.61 lvl:0.70) — Running, maneuvering, navigating, or driving vehicles or mechanized equipment, s
  Controlling Machines and Processes (imp:1.39 lvl:0.57) — Using either control mechanisms or direct physical activity to operate machines 
  Handling and Moving Objects (imp:1.22 lvl:0.61) — Using hands and arms in handling, installing, positioning, and moving materials,
  Performing General Physical Activities (imp:1.17 lvl:0.26) — Performing general physical activities includes doing activities that require co
  Drafting, Laying Out, and Specifying Technical Devices, Parts, and Equipment (imp:1.09 lvl:0.17) — Providing documentation, detailed instructions, drawings, or specifications to t
  Repairing and Maintaining Electronic Equipment (imp:1.09 lvl:0.18) — Servicing, repairing, calibrating, regulating, fine-tuning, or testing machines,
  Repairing and Maintaining Mechanical Equipment (imp:1.00) — Servicing, repairing, adjusting, and testing machines, devices, moving parts, an

--- WORK STYLES ---
  Dependability (imp:7.00) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Attention to Detail (imp:6.00) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Integrity (imp:5.00) — A tendency to be honest and ethical at work.
  Cautiousness (imp:4.00) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Intellectual Curiosity (imp:3.00) — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Attention to Detail (imp:3.00) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Integrity (imp:2.93) — A tendency to be honest and ethical at work.
  Cautiousness (imp:2.74) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Dependability (imp:2.65) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Intellectual Curiosity (imp:2.28) — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Achievement Orientation (imp:2.04) — A tendency to establish and maintain personally challenging work-related goals, 
  Perseverance (imp:2.01) — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Achievement Orientation (imp:2.00) — A tendency to establish and maintain personally challenging work-related goals, 
  Stress Tolerance (imp:1.80) — A tendency to cope and function effectively in stressful situations at work.
  Self-Control (imp:1.73) — A tendency to remain calm and composed and to manage emotions effectively in res
  Self-Confidence (imp:1.70) — A tendency to believe in one's work-related capabilities and ability to control 
  Leadership Orientation (imp:1.70) — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Initiative (imp:1.50) — A tendency to be proactive and take on extra responsibilities and tasks that may
  Sincerity (imp:1.36) — A tendency to be genuine and sincere in interactions with others at work, withou
  Social Orientation (imp:1.20) — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Cooperation (imp:1.06) — A tendency to be pleasant, helpful, and willing to assist others at work.
  Adaptability (imp:1.05) — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Perseverance (imp:1.00) — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Tolerance for Ambiguity (imp:0.97) — A tendency to be comfortable with ambiguity and uncertainty at work.
  Innovation (imp:0.56) — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Empathy (imp:0.28) — A tendency to show concern for others and be sensitive to others' needs and feel
  Humility (imp:0.22) — A tendency to be modest and humble when interacting with others at work.
  Innovation () — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Tolerance for Ambiguity () — A tendency to be comfortable with ambiguity and uncertainty at work.
  Initiative () — A tendency to be proactive and take on extra responsibilities and tasks that may
  Adaptability () — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Self-Confidence () — A tendency to believe in one's work-related capabilities and ability to control 
  Leadership Orientation () — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Humility () — A tendency to be modest and humble when interacting with others at work.
  Sincerity () — A tendency to be genuine and sincere in interactions with others at work, withou
  Empathy () — A tendency to show concern for others and be sensitive to others' needs and feel
  Cooperation () — A tendency to be pleasant, helpful, and willing to assist others at work.
  Optimism () — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Social Orientation () — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Stress Tolerance () — A tendency to cope and function effectively in stressful situations at work.
  Self-Control () — A tendency to remain calm and composed and to manage emotions effectively in res
  Optimism (imp:-0.13) — A tendency to exhibit a positive attitude and positive emotions at work, even un

--- TRANSFERABLE SKILLS ---
  Complex Problem Solving (imp:3.88 lvl:4.00) — Identifying complex problems and reviewing related information to develop and ev
  Judgment and Decision Making (imp:3.88 lvl:4.12) — Considering the relative costs and benefits of potential actions to choose the m
  Social Perceptiveness (imp:3.62 lvl:3.62) — Being aware of others' reactions and understanding why they react as they do.
  Coordination (imp:3.62 lvl:3.62) — Adjusting actions in relation to others' actions.
  Systems Analysis (imp:3.62 lvl:3.88) — Determining how a system should work and how changes in conditions, operations, 
  Systems Evaluation (imp:3.62 lvl:4.00) — Identifying measures or indicators of system performance and the actions needed 
  Time Management (imp:3.50 lvl:3.75) — Managing one's own time and the time of others.
  Management of Personnel Resources (imp:3.50 lvl:3.75) — Motivating, developing, and directing people as they work, identifying the best 
  Instructing (imp:3.38 lvl:3.75) — Teaching others how to do something.
  Service Orientation (imp:3.00 lvl:3.00) — Actively looking for ways to help people.
  Persuasion (imp:2.88 lvl:3.12) — Persuading others to change their minds or behavior.
  Negotiation (imp:2.88 lvl:3.00) — Bringing others together and trying to reconcile differences.
  Operations Analysis (imp:2.88 lvl:3.00) — Analyzing needs and product requirements to create a design.
  Quality Control Analysis (imp:2.00 lvl:1.88) — Conducting tests and inspections of products, services, or processes to evaluate
  Operations Monitoring (imp:1.75 lvl:1.25) — Watching gauges, dials, or other indicators to make sure a machine is working pr
  Management of Financial Resources (imp:1.75 lvl:0.75) — Determining how money will be spent to get the work done, and accounting for the
  Programming (imp:1.62 lvl:1.00) — Writing computer programs for various purposes.
  Management of Material Resources (imp:1.62 lvl:0.62) — Obtaining and seeing to the appropriate use of equipment, facilities, and materi
  Technology Design (imp:1.38 lvl:0.38) — Generating or adapting equipment and technology to serve user needs.
  Operation and Control (imp:1.25 lvl:0.25) — Controlling operations of equipment or systems.
  Equipment Selection (imp:1.00) — Determining the kind of tools and equipment needed to do a job.
  Installation (imp:1.00) — Installing equipment, machines, wiring, or programs to meet specifications.
  Equipment Maintenance (imp:1.00) — Performing routine maintenance on equipment and determining when and what kind o
  Troubleshooting (imp:1.00) — Determining causes of operating errors and deciding what to do about it.
  Repairing (imp:1.00) — Repairing machines or systems using the needed tools.

--- NATIONAL WAGES ---
  total_employment : 67,830
  annual_median    : $94,160
  annual_pct10     : $56,230
  annual_pct25     : $70,660
  annual_pct75     : $129,600
  annual_pct90     : $174,200
  annual_mean      : $106,240
  hourly_median    : $45.27

--- GEOGRAPHIC DISPERSION ---
  highest_state    : District of Columbia ($198,720)
  lowest_state     : Puerto Rico ($37,470)
  dispersion_ratio : 5.303x

--- TOP STATES BY WAGE (50 total) ---
  Finance and Insurance                    emp:   46,150  median: $  91,940
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:   11,940  median: $ 106,440
  Management of Companies and Enterprises  emp:    5,030  median: $  92,940
  Professional, Scientific, and Technical Services emp:    2,430  median: $  65,300
  Administrative and Support and Waste Management and Remediation Services emp:    1,080  median: $  80,280
  Other Services (except Public Administration) emp:      370  median: $ 144,000
  Real Estate and Rental and Leasing       emp:      340  median: $  83,230
  Information                              emp:      180  median: $ 100,380
  Health Care and Social Assistance        emp:       60  median: $  66,100
  Educational Services                     emp:       50  median: $  76,080

--- TOP INDUSTRIES BY EMPLOYMENT (12 total) ---
  Finance and Insurance                    emp:   46,150  median: $  91,940
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:   11,940  median: $ 106,440
  Management of Companies and Enterprises  emp:    5,030  median: $  92,940
  Professional, Scientific, and Technical Services emp:    2,430  median: $  65,300
  Administrative and Support and Waste Management and Remediation Services emp:    1,080  median: $  80,280
  Other Services (except Public Administration) emp:      370  median: $ 144,000
  Real Estate and Rental and Leasing       emp:      340  median: $  83,230
  Information                              emp:      180  median: $ 100,380
  Health Care and Social Assistance        emp:       60  median: $  66,100
  Educational Services                     emp:       50  median: $  76,080

exact_match_status : found
matched_title      : Bank examiner
match_score        : 0.6875
wikidata_qid       : Q4856006
word_count         : 1,154
wikipedia_url      : https://en.wikipedia.org/wiki/Bank_examiner
license            : CC BY-SA 4.0
fetched_at         : 2026-06-02T20:17:31.316677Z

--- WIKIPEDIA FULL TEXT ---
A bank examiner is a financial professional who has the task of making sure that banks and savings and loan associations are operating legally and safely, in accordance with the bank regulations imposed on these institutions by the chartering level of government. In the United States, they may conduct supervision on behalf of a U.S. government agency, the Federal Reserve System, a state banking authority, or for the financial institutions themselves as internal auditors.  The main duties of a bank examiner are to ensure that a bank's operations are legal and can provide financial stability. A bank examiner will also review financial statements, evaluate the level of risk associated with loans, and assess the management of a bank.


== History in the United States ==

The early periods of U.S. history were characterized by extremely loose banking regulations, which contributed to multiple banking crises and economic recessions.  This is commonly known as the Free Banking Era, a time when the bank examination profession did not exist in the United States. Eventually, the role of bank examiners was formalized by the National Banking Act of 1864, which formally established the Office of the Comptroller of the Currency (OCC) as the supervisor of all banks, whether chartered by a state government as a state bank or by the federal government as a national bank. Banks began to report financial information on a quarterly basis, and bank examiners were hired to inspect institutions. Early examiners of this era faced grueling travel by railroad, stagecoach, or horseback in order to conduct their on-site examinations. While the creation of the OCC helped stabilize the banking system, the post-American Civil War economy continued to present challenges to financial stability.
After the Banking Panic of 1907, the Federal Reserve Act of 1913 called for the creation of the Federal Reserve System. In addition to its central bank responsibilities, the Federal Reserve was also charged with supervising state-chartered banks that were members of the Federal Reserve System. Eventually, the effects of Great Depression also led to the enactment of the Banking Act of 1933, which created the Federal Deposit Insurance Corporation (FDIC) as a deposit insurer and supervisor of state-chartered banks that were not members of the Federal Reserve System.
State banking authorities shared oversight responsibilities with the Federal Reserve and FDIC over state-chartered banks, while the OCC alone maintained oversight of nationally chartered banks.  The ranks of bank examiners grew significantly during this period, which is often called the Regulatory Era. Finally, due to the Great Recession and the Dodd–Frank Wall Street Reform and Consumer Protection Act, the Consumer Financial Protection Bureau (CFPB) was established in 2011.  Among its other responsibilities, it shares supervisory authority with the OCC, Federal Reserve, FDIC, and states for banks with over $10 billion in total assets.


== Duties and functions ==
Bank examiners monitor and evaluate the financial condition of institutions and their compliance with relevant regulations and laws. They evaluate the quality of risk management practices, compliance with consumer protection and financial crime regulations, and management's ability to run the institution in a safe and sound manner. The bank examination process may include inspection of the facility and the bank's records, as well as fact-finding interviews with management. Bank examiners usually work on-site, traveling to various institutions and branches as scheduled or as requested, although some work may also be done through remote access. Frequency of examinations is determined by statute and the risk level of the institution. Complex banks may have teams of examiners stationed year-round in its offices to perform ongoing monitoring. The bank examiner is expected to be knowledgeable of finance and accounting principles (particularly forensic accounting), as well as the relevant banking procedures and protocols. In some cases, an examiner will have worked in bank management positions in the past.  In the United States, it is a crime to obstruct a federal bank examination.
Bank examiners report findings to their employing agency, and usually to the board of directors and upper management of the examined institution. They are expected to provide analysis and evidence to substantiate their findings, in an objective and non-judgmental manner; and in particular to refer any serious violations of regulations to the appropriate levels of authority. Recommendations for corrective action can be made if warranted.  Examiners, particularly those employed by a regulatory agency, may also assign supervisory ratings to institutions and place legal enforcement actions, civil money penalties, or other punishments for noncompliance.


== Hiring and training ==
Aspiring bank examiners are usually required to have an undergraduate degree in finance, accounting, economics, or related business field.  In some cases, a background investigation may be performed on the candidate to assess their ability to protect sensitive information.  Newly hired examiners must immediately comply with ethics rules that prohibit certain actions, such as holding ownership interests in bank companies or receiving loans from specified financial institutions.
While examiner training requirements vary depending on the employing agency, federal bank examiners in the United States are generally encouraged to complete rigorous training programs to become certified as commissioned examiners.  This title indicates that the holder has a high level of general examination expertise and is empowered to serve in key roles such as examiner-in-charge.  Examiner commissioning programs may demand several years of on-the-job training, formal classroom instruction, and knowledge tests on topics such as banking, accounting, and regulations. Once commissioned, bank examiners may have the opportunity to further develop specialties in large bank, asset management, IT security, anti-money laundering, capital markets, consumer protection, and other areas. They may also advance to management positions in their respective field offices.


== Notable incidents ==


=== Failure of First National Bank of Keystone - September 1, 1999 ===
As bank examiners from the Office of the Comptroller of the Currency began discovering fraud and risk management deficiencies at the First National Bank of Keystone in Keystone, West Virginia, bank officials began intimidating them by making verbal threats, taping conversations, forging emails from examiners, and hiring security guards to follow them around.  The examiners requested, and received, U.S. Marshal Service protection as they continued their work.  The Office of the Comptroller of the Currency examiners, and the Federal Deposit Insurance Corporation examiners who later joined them, ultimately uncovered the fraud and declared the bank insolvent.  It was eventually closed down, with the FDIC as receiver.  Subsequently, several bank directors went to federal prison for charges such as obstructing a bank examination and fraud.  It was discovered that some bank records were buried in the ranch of one of the directors.


== See also ==
Financial Regulation
Banking Regulation
Financial Crisis
Bank Run
Dodd-Frank Wall Street Reform and Consumer Protection Act
Federal Financial Institutions Examination Council
Federal Reserve System
Office of the Comptroller of the Currency
Federal Deposit Insurance Corporation
Consumer Financial Protection Bureau
National Credit Union Administration
Conference of State Bank Supervisors
Prudential Regulation Authority (United Kingdom)
Financial Conduct Authority


== References ==

--- SEMANTIC NEIGHBORS (5) ---

  Title: The Psychology of Money (similarity: 0.2381)
  URL: https://en.wikipedia.org/wiki/The_Psychology_of_Money
  QID: Q119572212
  Extract: The Psychology of Money is a book by Morgan Housel, published in 2020. It examines how people think about money and how behaviour and emotions influence financial decisions.

  Title: Birmingham, Alabama (similarity: 0.2105)
  URL: https://en.wikipedia.org/wiki/Birmingham%2C_Alabama
  QID: Q79867
  Extract: Birmingham is a city in the north central region of Alabama, United States. It is the third-most populous city in the state, with an estimated population of 196,357 as of 2024. The Birmingham metropolitan area, with over 1.19 million residents, is the largest metropolitan area in Alabama and 47th-mo

  Title: Financial Supervisory Service (similarity: 0.5417)
  URL: https://en.wikipedia.org/wiki/Financial_Supervisory_Service
  QID: Q5449673
  Extract: The Financial Supervisory Service (FSS) is South Korea's integrated financial regulator that examines and supervises financial institutions under the broad oversight of the Financial Services Commission (FSC), the government regulatory authority staffed by civil servants.

  Title: Examiner (similarity: 0.5926)
  URL: https://en.wikipedia.org/wiki/Examiner
  QID: Q5419298
  Extract: Examiner or The Examiner may refer to:

  Title: It's a Wonderful Life (similarity: 0.2000)
  URL: https://en.wikipedia.org/wiki/It's_a_Wonderful_Life
  QID: Q204191
  Extract: It's a Wonderful Life is a 1946 American Christmas fantasy drama film directed and produced by Frank Capra. It is based on the short story and booklet "The Greatest Gift", self-published by Philip Van Doren Stern in 1943, which itself is loosely based on the 1843 Charles Dickens novella A Christmas 

model_pass1          : claude-sonnet-4-20250514
model_pass2          : claude-haiku-4-5-20251001
inference_confidence : high
confidence_notes     : Strong confidence due to comprehensive O*NET data, clear wage information from BLS OEWS May 2025, and direct Wikipedia validation of the bank examiner role. The detailed task descriptions and work activities provide clear insights into daily responsibilities and skill requirements.
inferred_at          : 2026-06-03T13:38:48.134911+00:00
tokens_input         : 4,652
tokens_output        : 4,321
cost_usd             : $0.047395
wikipedia_used       : True
wikipedia_title      : Bank examiner
wikipedia_note       : The Wikipedia entry for 'Bank examiner' directly aligns with the occupation focus, describing professionals who ensure banks operate legally and safely in accordance with government regulations. This validates the regulatory oversight and compliance enforcement aspects of the Financial Examiner role.

--- PROSE FIELDS ---

ROLE SUMMARY:
Financial Examiners ensure compliance with laws and regulations governing financial institutions, securities firms, and real estate transactions. They examine, verify, and authenticate financial records while investigating institutional activities to enforce regulatory compliance and protect institutional solvency. These professionals serve as critical watchdogs in the financial sector, conducting comprehensive reviews of banking operations and preparing detailed reports on institutional safety and soundness.

DAY IN THE LIFE:
Financial Examiners spend their days analyzing complex financial data, reviewing balance sheets, operating income accounts, and loan documentation to assess institutional compliance and risk. They conduct formal and informal meetings with bank directors, senior management, and external parties to coordinate examinations and exchange critical information. A significant portion of their time involves preparing detailed reports, exhibits, and supporting schedules that document findings on institutional safety, soundness, and regulatory compliance. They investigate specific transactions and operations to ensure legality while resolving problems concerning overall financial integrity of banking institutions. Additionally, they review audit reports from internal and external auditors, examine meeting minutes of directors and committees, and may supervise and train other examination staff.

WHO THRIVES:
Individuals who excel as Financial Examiners possess exceptional attention to detail and unwavering dependability, as evidenced by the highest work style importance ratings for these traits. They demonstrate strong analytical thinking with high levels of written and oral comprehension abilities, enabling them to process complex financial information and communicate findings effectively. The role attracts those with a conventional personality type who appreciate structured environments with clear rules and procedures, combined with enterprising qualities that drive them to take initiative in enforcement actions. Successful examiners exhibit intellectual curiosity and integrity, essential for thorough investigations and maintaining public trust in financial oversight.

CAREER ENTRY:
Entry into Financial Examining requires a bachelor's degree, with 87% of professionals holding this credential according to education distribution data. Strong backgrounds in economics, accounting, finance, or business administration provide essential foundational knowledge in economics and accounting at advanced levels. Many positions require understanding of banking regulations and financial laws, making coursework or experience in law and government valuable. Entry-level positions often provide on-the-job training in examination procedures, with some professionals pursuing post-baccalaureate certificates (8.7%) to enhance specialized regulatory knowledge.

CAREER TRAJECTORY:
Financial Examiners can advance to senior examination roles, compliance management positions, or specialized areas like fraud investigation and risk analysis. The strong skill overlap with compliance managers and financial risk specialists creates natural progression paths within regulatory agencies or financial institutions. Many examiners transition to leadership roles overseeing examination teams or move into private sector compliance positions with banks and financial firms. Advanced practitioners may pursue roles as financial managers, treasurers, or specialized analysts, leveraging their deep understanding of regulatory frameworks and institutional risk assessment.

MARKET INTELLIGENCE:
Financial Examiners earn a median annual salary of $94,160 according to BLS OEWS May 2025 data, with significant geographic variation from $37,470 in Puerto Rico to $198,720 in the District of Columbia, reflecting a 5.30x ratio between highest and lowest paying locations. The field employs 67,830 professionals nationwide, with 46,150 positions concentrated in Finance and Insurance sectors and an additional 11,940 in government roles. Strong demand exists due to ongoing regulatory requirements and increased financial oversight following economic reforms. The concentration of high-paying positions in financial centers like Washington D.C. and major metropolitan areas reflects the regulatory and institutional focus of this profession.

AUTOMATION OUTLOOK:
Financial Examiners face moderate automation risk as their core work activities involve complex evaluation of compliance standards and analysis of nuanced financial information requiring human judgment. While routine data gathering and basic compliance checking may become more automated, the critical thinking required for evaluating institutional safety, conducting investigations, and making regulatory recommendations remains difficult to automate. The high importance of communicating with external parties and making complex decisions about financial integrity suggests sustained demand for human expertise in this field.

--- REASONED EDGES ---
  [career_pathway] Compliance Managers (11-9199.02) — confidence:high
    reasoning: Both roles focus on ensuring regulatory compliance with shared skills in evaluating compliance standards and knowledge of law and government.
    data: Both roles show high importance for 'Evaluating Information to Determine Compliance with Standards'
    data: Shared knowledge domains in Law and Government
    data: Career progression path from examiner to management
  [skill_overlap] Accountants and Auditors (13-2011.00) — confidence:high
    reasoning: Strong overlap in analyzing financial data, examining records, and preparing detailed financial reports with shared economics and accounting knowledge.
    data: Both roles emphasize 'Analyzing Data or Information' as top work activity
    data: Shared advanced knowledge in Economics and Accounting
    data: Both require detailed financial record examination
  [task_similarity] Fraud Examiners, Investigators and Analysts (13-2099.04) — confidence:high
    reasoning: Similar investigative activities focused on financial integrity, compliance enforcement, and examination of financial records and transactions.
    data: Both investigate institutional activities for legal compliance
    data: Shared focus on examining financial records
    data: Both prepare detailed investigative reports
  [knowledge_overlap] Financial Risk Specialists (13-2054.00) — confidence:medium
    reasoning: Both roles require deep understanding of economics, accounting, and financial analysis to assess institutional risk and safety.
    data: Shared advanced knowledge in Economics and Accounting
    data: Both assess financial institutional safety
    data: Similar analytical skills for risk evaluation
  [transferable_skill] Credit Analysts (13-2041.00) — confidence:medium
    reasoning: Both roles emphasize complex problem solving, judgment and decision making, and systems analysis in financial contexts.
    data: Shared transferable skills in Complex Problem Solving and Judgment
    data: Both analyze financial data for decision making
    data: Similar requirements for written comprehension and analysis

--- NORMALIZER SIGNALS ---
  match_keywords   : ['financial examiner', 'bank examiner', 'compliance examiner', 'regulatory examiner', 'financial compliance', 'bank compliance', 'regulatory compliance', 'financial oversight']
  exclude_keywords : ['medical examiner', 'patent examiner', 'claims examiner', 'tax examiner', 'quality examiner']
  title_patterns   : ['examiner', 'compliance officer', 'regulatory specialist', 'compliance analyst', 'compliance investigator']
  common_variations: ['Bank Examiner', 'Financial Compliance Officer', 'Regulatory Compliance Examiner', 'BSA Officer', 'AML Investigator', 'Compliance Analyst', 'Bank Compliance Officer', 'Financial Regulatory Specialist']

total_terms    : 40
top_words      : ['financial', 'tendency', 'others', 'bank', 'examiners', 'equipment', 'management', 'compliance', 'regulations', 'institutions', 'banking', 'principles', 'procedures', 'regulatory', 'activities', 'examination', 'control', 'actions', 'includes', 'objects']
source_layers  : onet_tasks | onet_dimensions | dwas | wikipedia | inference

TERM                    COUNT     FREQ  DOMINANT SOURCE      SOURCE BREAKDOWN
──────────────────────────────────────────────────────────────────────────────────────────
financial                  60  0.01778  inference            inference:40%  wikipedia:33%  dwas:13%
tendency                   42  0.01244  onet_dimensions      onet_dimensions:100%
others                     41  0.01215  onet_dimensions      onet_dimensions:93%  dwas:7%
bank                       40  0.01185  wikipedia            wikipedia:90%  onet_tasks:5%  inference:5%
examiners                  28  0.00830  wikipedia            wikipedia:68%  inference:29%  onet_tasks:4%
equipment                  23  0.00681  onet_dimensions      onet_dimensions:100%
management                 20  0.00593  wikipedia            wikipedia:45%  onet_dimensions:35%  onet_tasks:10%
compliance                 18  0.00533  inference            inference:56%  onet_tasks:17%  dwas:11%
regulations                18  0.00533  onet_tasks           onet_tasks:33%  wikipedia:33%  inference:17%
institutions               18  0.00533  wikipedia            wikipedia:50%  onet_tasks:28%  inference:17%
banking                    17  0.00504  wikipedia            wikipedia:71%  inference:18%  onet_tasks:6%
principles                 17  0.00504  onet_dimensions      onet_dimensions:94%  wikipedia:6%
procedures                 16  0.00474  onet_dimensions      onet_dimensions:50%  onet_tasks:25%  inference:12%
regulatory                 14  0.00415  inference            inference:64%  wikipedia:21%  onet_tasks:7%
activities                 13  0.00385  onet_dimensions      onet_dimensions:69%  inference:15%  onet_tasks:8%
examination                13  0.00385  wikipedia            wikipedia:46%  inference:31%  onet_tasks:23%
control                    13  0.00385  onet_dimensions      onet_dimensions:92%  onet_tasks:8%
actions                    12  0.00356  onet_dimensions      onet_dimensions:67%  wikipedia:17%  onet_tasks:8%
includes                   12  0.00356  onet_dimensions      onet_dimensions:100%
objects                    12  0.00356  onet_dimensions      onet_dimensions:100%
examiner                   12  0.00356  wikipedia            wikipedia:83%  inference:17%
laws                       11  0.00326  onet_tasks           onet_tasks:36%  onet_dimensions:27%  inference:18%
problems                   11  0.00326  onet_dimensions      onet_dimensions:82%  onet_tasks:9%  inference:9%
government                 11  0.00326  wikipedia            wikipedia:45%  onet_dimensions:27%  inference:27%
ideas                      11  0.00326  onet_dimensions      onet_dimensions:100%
risk                       11  0.00326  inference            inference:45%  wikipedia:36%  onet_dimensions:18%
banks                      11  0.00326  wikipedia            wikipedia:82%  inference:18%
operations                 10  0.00296  onet_dimensions      onet_dimensions:60%  inference:20%  onet_tasks:10%
reserve                    10  0.00296  wikipedia            wikipedia:90%  onet_tasks:10%
rules                      10  0.00296  onet_dimensions      onet_dimensions:80%  wikipedia:10%  inference:10%
techniques                 10  0.00296  onet_dimensions      onet_dimensions:100%
materials                  10  0.00296  onet_dimensions      onet_dimensions:100%
body                       10  0.00296  onet_dimensions      onet_dimensions:100%
monitoring                  9  0.00267  onet_dimensions      onet_dimensions:89%  wikipedia:11%
accounting                  9  0.00267  wikipedia            wikipedia:44%  onet_dimensions:33%  inference:22%
human                       9  0.00267  onet_dimensions      onet_dimensions:78%  inference:22%
resources                   9  0.00267  onet_dimensions      onet_dimensions:100%
standards                   9  0.00267  onet_dimensions      onet_dimensions:89%  inference:11%
quickly                     9  0.00267  onet_dimensions      onet_dimensions:100%
orientation                 9  0.00267  onet_dimensions      onet_dimensions:100%