← Risk register SOC 13-2051 · reviewed 2026-08-11

Financial and Investment Analysts

361,980 US workers · median $102,740/yr · Business

EXPOSED

The median financial analyst spends most of the week on tasks LLMs already do at usable quality: pulling filings and transcripts, updating three-statement models and comps, writing earnings recaps, screening universes, and formatting decks. What persists is the part where a named human takes a position, defends it to a portfolio manager or an investment committee, and absorbs the consequences when it's wrong. There is no licensure wall for most of the job — Series 86/87 registration for published research and CFA norms are thin shields compared to a CPA signature or a PE stamp.

10-year outlook: Headcount at the junior model-and-memo tier shrinks materially over ten years while a smaller senior tier — thesis owners, PM-track analysts, client-facing advisors — grows in leverage and pay.

US employment, 2021–2025+24.0%
291,880361,980 workers

Headcount grew steadily across the period.

The job count is not the verdict

This line is counted by the Bureau of Labor Statistics — the one figure on this page that isn't a judgement of ours. Headcount moves on demand, offshoring, demographics and the business cycle, and automation is one term among several, often not the loudest.

So a falling line is not evidence that AI did it, and a rising one is not evidence that it won't. Both happen in this register: some occupations resist automation and shrink anyway, others are highly automatable and keep growing.

BLS projection, 2024–2034

+5.7% 368,500 → 389,600 on the projections basis

Exposed, but growing

AI can already do a lot of these tasks, and the BLS still expects +5.7% more of these jobs by 2034. Demand for the output is growing faster than the work is being automated away — the mechanism BLS gives for software developers, and the combination people most often misread as an error.

Different clocks. The score is what current AI could do to this work today. The projection is how many of these jobs will exist in 2034. Everything between the two — how fast employers actually adopt, whether demand grows in the meantime — is why they can point opposite ways without either being wrong.

~25,100 openings a year on average, including replacing people who leave.

One email if this score changes. Watch as many occupations as you like from the same address — no account, and nothing is sent on a schedule, only when a verdict actually moves.

Also known as — 24 job titles this covers

Titles reported by people doing this work, from the US Department of Labor's O*NET survey. If your job title is here, this page is about your work even though the name doesn't match.

AnalystInvestorBank AnalystBond AnalystPrime BrokerBrand AnalystMoney ManagerStock AnalystTrust OfficerFiscal AnalystBanking AnalystFinance AnalystPricing AnalystPlanning AnalystTreasury AnalystCommodity AnalystFinancial AnalystInvestment BankerPortfolio AnalystPortfolio ManagerAccounting AnalystInvestment AnalystInvestment OfficerPricing Specialist

Score — 35/100 resistance

Holding it up: judgment & accountability (11/20). Weakest point: embodiment (2/20).

Five dimensions, 0–20 each, summed. Higher means more protected. The arithmetic is shown so you can check it: 6 + 2 + 6 + 10 + 11 = 35. · Scored 2026-08-11, and re-examined when evidence accumulates rather than on a schedule.

Task resistance 6/20

Core tasks are already automatable Building a DCF from a 10-K, spreading quarterly comps, tracking guidance changes across a coverage universe, and drafting the earnings-day note are all sequence-to-sequence work over structured filings and transcripts — the data feeds are machine-readable and the output templates are standardized, which is why this sits at 6 rather than in the mixed band where original channel checks or private-company diligence would push it.

Embodiment 2/20

Fully desk- and screen-based The job is a Bloomberg terminal, Excel, and a video call with management; the 2 rather than 0 covers site visits, plant tours, and conference attendance that a few sell-side and PE-side analysts still do, but nobody's model breaks because they couldn't be physically present.

Liability shield 6/20

Certification preferred, not legally required Series 86/87 gates publishing research and Reg AC requires the analyst to certify the view is their own, but no statute makes an analyst personally answerable for a bad price target — enforcement lands on the firm's supervisory failures, which is why this is 6 and not the 12-plus that a CPA attesting to financials carries.

Trust premium 10/20

Some relationship component Buy-side clients pay for a specific analyst's access and call history, and a corporate-development analyst's standing with the CFO matters — but coverage is reassigned, ranked sell-side analysts are substituted, and most junior and internal-FP&A analysts produce output the consumer never attributes to a person, holding this at 10.

Judgment & accountability 11/20

Meaningful discretion Setting the terminal growth rate, deciding a management explanation is not credible, and putting a Sell on a banking client's stock are consequential calls the analyst signs, but they route through an investment committee, a PM's position sizing, or a research director's review before capital moves — real discretion inside a mandate, not final authority over it.

Confidence: high · reviewed 2026-08-11 · how scoring works

What this job involves — and which parts are yours

The verdict above describes this occupation as a whole. Almost nobody does the typical version of a job — tick what's actually in your week and see how your own mix sits.

AI already does these at usable quality

These still need a person

Active moats on the surviving side: judgment, trust

How to future-proof this job

All 35 skills ranked by how many jobs they open →

Where this experience transfers — nothing clears the bar

No occupation passed every test: close enough to financial and investment analysts on skills and subject matter, at least 10 points more resistant, no big jump in training, no new licence, no pay cut, and not shrinking on its own. That happens for 223 of the 654 occupations here that aren't SAFE, and it is worth stating plainly rather than leaving the section off.

The usual reason is that exposure travels with the skill profile. The jobs most similar to yours tend to be exposed for the same reasons yours is, so the near neighbours don't clear the gap — and the ones that do are a different kind of work, not a transfer of what you already know. Read that as a limit of this method, not a verdict that you're stuck: it only compares whole occupations, and it cannot see specialisation, industry, or anything you'd bring that isn't in a federal skill survey.

What would move this occupation up is the other direction, and on this page it's the more useful one.

What would move this back up — beyond any one person

The moves above are yours to make. This is the other half: what would have to change in the world for the occupation itself to score higher. None of it is in any one person's gift, but it is where the floor actually comes from. Scores here are not a one-way ratchet. Only two of the five dimensions — task resistance and embodiment — track what machines can do. The other three track law, what buyers will pay for, and who is answerable, and those move in both directions, often in response to the same pressure AI creates. If every lever below landed, this occupation would score around 51/100, still EXPOSED.

5 specific changes that would raise this score
  • already happening task resistance +4

    Genuine two-tier structure: if the filings-pull / comps-update / earnings-recap tier is fully absorbed by internal copilots (already underway at large banks and asset managers), the residual job is idea origination, channel checks and private-source diligence, and defending a variant view to an IC — work with no ground-truth label to train on

  • plausible liability shield +4

    FINRA/SEC enforcement or rule interpretation requiring that a Series 86/87-registered supervisory analyst personally review and approve any AI-generated research content before publication, with named-person liability for the AI's factual claims — FINRA's 2024 Reg Notice 24-09 on gen-AI already asserts existing supervision rules (3110, 2210) apply to AI-produced communications; a formal rule making the approving analyst's registration the required sign-off (rather than firm-level supervision) is the concrete step to watch

  • plausible liability shield +3

    Fiduciary-side analog: SEC adopting a final version of the withdrawn 2023 predictive-data-analytics proposal, or state fiduciary rules requiring a documented human analyst attestation on model-derived recommendations in advisory files; would make the analyst's name the audit artifact in exams

  • plausible judgment accountability +3

    Investment committee minutes and allocator due-diligence questionnaires (ILPA, consultant DDQs) increasingly demand a named human decision-owner per position and an explicit statement of where the human overrode the model; formalizing 'who is accountable for this call' in mandate documents raises the score without any regulation

  • plausible trust premium +2

    Allocators writing AI-disclosure clauses into IMAs or refusing to pay active fees for signals a client could generate themselves — the premium survives only where the human is the differentiator; watch for consultant questionnaires asking what fraction of research output is model-generated

The limit. The realistic ceiling is mid-50s. There is no CPA- or PE-style stamp available: most of the 362k workers are buy-side or corporate analysts with no registration at all, so liability shields reachable through FINRA touch only the published-research minority. Trust premium is structurally capped because the buyer pays for returns, not for authorship, and the sell-side product is already commoditized.

These are conditions, not forecasts — what would have to happen, not what will. Specific rules, cases and bills are named so you can go and check whether they exist and where they stand; verify before relying on any of them. Nothing here is legal or financial advice.

Where this work is, and what it pays there

BLS metro figures for 322 areas. The verdict above does not change by city — the rubric judges what the work involves, not where it happens — but pay and headcount do, and the national median hides a very wide range.

Most of these jobs

New York-Newark-Jersey City, NY-NJ 53,870 $128,930 +25%
Los Angeles-Long Beach-Anaheim, CA 19,600 $102,260 +0%
Chicago-Naperville-Elgin, IL-IN 17,150 $101,750 -1%
Boston-Cambridge-Newton, MA-NH 13,010 $117,520 +14%
Dallas-Fort Worth-Arlington, TX 11,530 $100,350 -2%
Washington-Arlington-Alexandria, DC-VA-MD-WV 10,930 $108,330 +5%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 10,050 $95,400 -7%
San Francisco-Oakland-Fremont, CA 9,910 $130,520 +27%

Best paid

Bridgeport-Stamford-Danbury, CT 2,550 $158,310 +54%
San Jose-Sunnyvale-Santa Clara, CA 3,880 $144,910 +41%
San Francisco-Oakland-Fremont, CA 9,910 $130,520 +27%

Percentages are against this occupation's national median of $102,740. Counts are jobs in that metro, not vacancies. Metros where the BLS suppressed the cell are absent rather than shown as zero.

Who is actually doing this — nobody, on the record

We have no reported case of a named organisation automating this occupation. Not one deployment, not one announcement.

That is worth saying out loud next to a score of 35. The verdict above is about what the work exposes — what current AI could do to these tasks. It is not a claim that anyone has done it. For this occupation those two things have come apart completely: the capability argument is on this page, and the evidence column is empty.

Read that as a gap in the reporting we can see, not proof of absence — the dispatch runs on English-language feeds and misses plenty. If you know of a case, tell us, or add a field report from inside the job.

Quick take — do you do this job?

Has AI actually changed your work? One tap, anonymous, and the running tally is public. Nothing else is asked of you.

Self-reported and unverified — a sentiment signal, not a survey. One response per person per occupation; you can change your answer.

Field reports — what people say has changed

No field reports yet. A written account takes a paragraph rather than a tap, goes to an editor before it appears, and is the one thing on this page the rubric cannot produce on its own.

File a field report

Concrete beats general: a tool that arrived, a task that moved, a headcount decision you watched happen. Don't include anything that identifies you or your employer if that would put you at risk.

Watch this verdict
Kept current

Rather than check back: get the digest and we'll tell you what changed — or watch a single occupation from its own page.