{ "source": "Cooked Index — occupational AI risk register", "page": "https://cookedindex.com/jobs/financial-specialists-all-other/", "methodology": "https://cookedindex.com/methodology", "notice": "Verdicts are re-examined as evidence accumulates. Re-fetch before relying on this; the page above always carries the current score.", "scored_at": "2026-08-11", "model": "claude-opus-5", "occupation": { "title": "Financial Specialists, All Other", "soc_code": "13-2099", "category": "Business", "us_employment": 132130, "median_annual_wage": 81100 }, "verdict": "EXPOSED", "risk_resistance": 36, "contested": false, "near_boundary": false, "dimensions": { "task_resistance": 8, "embodiment": 3, "liability_shield": 5, "trust_premium": 9, "judgment_accountability": 11 }, "reasoning": { "task_resistance": "Pulling bank feeds into a cash position, tying subledger to GL, building a rate-sensitivity table, and drafting the variance narrative are all things a model does at first-draft quality today — what holds the score at 8 rather than 4 is the recurring work of chasing down why a counterparty confirmation doesn't match, arguing an assumption with a business unit head, and deciding what the packet should say when the data is late or wrong.", "embodiment": "The job is a laptop, a market data terminal, and a recurring committee meeting; the only physical element is walking a signature page or sitting in the room when the treasurer approves a hedge, which is why this is 3 and not 0.", "liability_shield": "Nothing in this bucket requires a state license to perform — the CFA, CTP, or FRM your employer put on the job posting is a hiring filter, not a statutory one, and when a hedge accounting treatment or a grant cost allocation gets challenged it is the CFO, controller, or an external auditor whose name is on the attestation, not yours.", "trust_premium": "Your standing comes from being the person the treasurer, the ALCO, or the program officer calls before they commit — real, but it is credibility about a specific book or grant portfolio rather than a portable client relationship, and the reconciliation and reporting half of the job is consumed by people who never learn who produced it.", "judgment_accountability": "Setting a transfer price, sizing a liquidity buffer, calling an allowance assumption, or deciding a cost is unallowable under 2 CFR 200 are genuinely contestable calls you defend in a meeting — but at 11 rather than 16 because a policy, limit framework, or delegated authority almost always caps your discretion and someone above you signs the final position." }, "rationale": "This catch-all bucket — treasury analysts, financial risk specialists, pricing and compliance analysts, benefits and grants finance staff — is dominated by spreadsheet modeling, reconciliation, variance reporting, and memo-writing, all of which current AI drafts at usable quality with a human reviewing. The modal worker holds no license that legally requires a signature, so the surviving work is the part where someone assembles ambiguous evidence, makes a capital, pricing, or risk call, and answers for it to a committee or regulator. Employment concentrates upward: fewer analysts producing packets, more specialists owning positions and defending assumptions.", "outlook": "By 2035 the reporting and modeling core of these roles is largely machine-produced with human review, and headcount consolidates around specialists who set assumptions, negotiate with counterparties, and answer to regulators.", "what_would_raise_it": { "levers": [ { "dimension": "liability_shield", "change": "Bank/insurer model-risk regimes extending named-individual accountability to AI-generated analytics: e.g. an SR 11-7 / OCC model risk management update or a state DFS circular (NY DFS already issued 2024 guidance on AI in insurance underwriting) requiring a named model owner and independent validator to personally attest to each AI-assisted pricing or capital model before use. Also Sarbanes-Oxley 302/404 sub-certification cascades: if audit committees require a named specialist to sub-certify AI-produced reconciliations and reserve estimates, the signature becomes a job function.", "plausibility": "already happening", "would_add": 5 }, { "dimension": "judgment_accountability", "change": "Task-mix shift plus formal ownership: as drafting and reconciliation are automated, the residual role is defending assumptions to ALCO, pricing committees, rating agencies, or a regulator's exam team. This rises further if institutions formalize 'AI output challenger' roles — a documented human dissent record required in model validation files, as EU AI Act Art. 14 human-oversight obligations demand for high-risk credit and insurance systems.", "plausibility": "already happening", "would_add": 4 }, { "dimension": "task_resistance", "change": "Genuine two-tier structure: routine tier (variance packets, reconciliations, grant drawdown schedules) automates; residual tier (novel instrument valuation with no comparables, distressed counterparty judgment, reserve setting under litigation uncertainty, defending a transfer-pricing position under audit) resists because inputs are non-public, contested, and adversarial. Score rises mechanically as the routine tier disappears from the day, not because AI got worse.", "plausibility": "plausible", "would_add": 3 }, { "dimension": "trust_premium", "change": "Narrow route only: grant-funded and public-sector finance where funders (federal agencies under 2 CFR 200, foundations) require a named human preparer for cost allocation and single-audit certifications. Outside that, buyers of internal analytics are employers, not clients, and there is no realistic route to paying extra for a human.", "plausibility": "unlikely", "would_add": 1 } ], "ceiling_note": "Embodiment has no route; this is screen work. The structural problem is that this SOC bucket is defined by residual, not by a profession — there is no board, no exam, no title protection to hang a liability shield on, so any gain has to come from firm-level or supervisory attestation rules that name individuals. Those rules concentrate accountability in a smaller number of senior specialists rather than protecting headcount, so the occupation's score can rise while employment falls." }, "adjudication": null, "employment_history": { "points": [ { "y": 2017, "emp": 125900, "wage": 69520 }, { "y": 2018, "emp": 128760, "wage": 70280 }, { "y": 2021, "emp": 123200, "wage": 73240 }, { "y": 2022, "emp": 127020, "wage": 73810 }, { "y": 2023, "emp": 122730, "wage": 78310 }, { "y": 2024, "emp": 127450, "wage": 80190 }, { "y": 2025, "emp": 132130, "wage": 81100 } ], "from": 2017, "to": 2025, "change_pct": 4.9, "comparable_from": 2019, "spans_soc_revision": true }, "pivots": [ { "slug": "financial-managers", "title": "Financial Managers", "verdict": "EXPOSED", "risk_resistance": 48, "median_wage": 166570, "overlap": 84, "skills_to_close": [ "Management of Financial Resources", "Monitoring", "Operations Analysis", "Management of Material Resources" ] }, { "slug": "securities-commodities-and-financial-services-sales-agents", "title": "Securities, Commodities, and Financial Services Sales Agents", "verdict": "EXPOSED", "risk_resistance": 51, "median_wage": 78660, "overlap": 76, "skills_to_close": [ "Management of Financial Resources", "Monitoring" ] }, { "slug": "personal-financial-advisors", "title": "Personal Financial Advisors", "verdict": "EXPOSED", "risk_resistance": 52, "median_wage": 105070, "overlap": 76, "skills_to_close": [ "Operations Analysis", "Service Orientation", "Systems Evaluation", "Management of Financial Resources" ] } ], "license": "https://cookedindex.com/terms" }