Will AI replace Finance and investment analysts and advisers?

Not as a job, but it is already doing parts of the work. Across the 155 official task statements scored for Finance and investment analysts and advisers (United Kingdom, SOC 2422), 42% of the importance-weighted core work is made of tasks today's AI could already do most of. The overall exposure score is 52 out of 100 (range 46–58, band: partial). That is a statement about tasks, not about headcount: this measures what AI could do, not whether any employer adopts it, whether the law allows it, or whether doing the routine parts faster creates more demand for the human parts. Figures are from release 2026-q4.1.

Which tasks in “Finance and investment analysts and advisers” can AI already do?

The highest-scoring tasks in release 2026-q4.1 are: “Use specialist computer software to present spreadsheets and graphs” (100/100, very high); “Use computer systems to access customer information and update account details” (93/100, very high); “Review and verify the accuracy of billing statements and invoices” (93/100, very high). Each score comes from five published 0–4 ratings turned into a number by a published formula, and each carries the model's one-sentence reason on the page.

Which tasks in “Finance and investment analysts and advisers” stay human?

About 38% of this job's task weight sits in work that scores low for AI exposure. The lowest-scoring tasks in release 2026-q4.1 are: “Develop networks of solicitors, mortgage lenders, and contractors for client referrals” (10/100, minimal); “Sell life insurance policies to clients” (11/100, minimal); “Sell specific financial products to meet sales targets” (11/100, minimal). Low scores usually mean the task needs a body in a room, a legally accountable human, or trust built in real time. Those are the three things the scoring rubric treats as gates rather than obstacles.

What should someone working in “Finance and investment analysts and advisers” do about AI?

Start from the ledger rather than the headline: 42% of this job's weighted core work is exposed, and roughly 38% is not. The practical move is to spend more of your week on the tasks that score low, the ones above, and to get fluent at directing AI through the tasks that score high, because those are the parts that change whether or not you are ready for them. This page does not predict your job, and nothing here is career advice tailored to you: the score describes the occupation, not the person.

How is the AI exposure score for Finance and investment analysts and advisers calculated?

Each official task statement for the occupation is rated on five published 0–4 dimensions (output replicability, physical embodiment, licensed accountability, real-time human trust, and data availability) by claude-opus-5 using scoring prompt task_scoring_v1.0. The model never writes the score; a published formula turns the five ratings into a 0–100 number, so every score can be recomputed by hand. The occupation figure is the importance-weighted mean across 155 scored tasks. The prompt, the rubric, the formula and the full dataset are published at https://futureproof.collab365.com/method and https://futureproof.collab365.com/data/2026-q4.1 under CC BY 4.0.

UK dataswitch to US

Finance and investment analysts and advisers

analysing credit data and financial statements to assess the risk in extending credit or lending money, preparing and analysing annual reports and financial statements using accepted accounting procedures and approving loans within specified limits. If that's your week, this page is about your job.

The honest answer

This job is splitting in two: completing loan applications and crediting analyses is work AI now does quickly and cheaply, and developing new business opportunities to enhance investment portfolios and client base is work it can't touch.

Your move: what you can actually do about this ↓

Where the work sits, by task weight

shifting to AI: 42%
changing shape: 19%
staying human: 38%

These bars are tasks changing hands, not people being counted out. The ledger below shows which.

Whole-job exposure score 52 out of 100 (46–58 allowing for uncertainty): partial exposure, across 155 scored tasks. The number is the support for the sentence above it, not a headline about anyone’s future.

How we know this

What is measured: Every published task statement for finance and investment analysts and advisers is rated on five dimensions: can a model produce the output, does the work need a body in a room, does it need a legally accountable person, does it depend on a person being trusted in the moment, and how much data exists. A published formula turns those five ratings into the score; the model never writes the number.

How the bar is built: Each task’s share of the bar is its published importance weight, so a task you do all day counts for more than one you do twice a year.

Release: 2026-q4.1, scores computed 2026-08-05. Read the full method.

Which half fills your week decides your exposure. That is more in your control than it sounds.

Your week, as this page understands it

Finance and investment analysts and advisers advise customers, who may be individuals, companies or specialist groups, on the purchase of investments, insurance, mortgages, pensions and other financial services and products. The job title says “finance”, “investment analysts” or “advisers”: officially one job, several names. The real job is the part underneath: developing new business opportunities to enhance investment portfolios and client base. That is the thing someone has to be right about.

The exposed part of this job is specific, and we won’t pretend it is coming back. But finance and investment analysts and advisers is not one task. It is 155 scored ones, and they are nowhere near equally exposed. The most durable of them, on this evidence, is developing new business opportunities to enhance investment portfolios and client base, and the ledger below shows exactly why.

Where the work sits, by task weight

shifting to AI: 42%
changing shape: 19%
staying human: 38%

These bars are tasks changing hands, not people being counted out. The ledger below shows which.

How we know this

How the bar is built: Each task’s share of the bar is its published importance weight, so a task you do all day counts for more than one you do twice a year.

Release: 2026-q4.1, scores computed 2026-08-05. Read the full method.

Your job, task by task

These are the official task statements for this occupation, in plain English, sorted by what the evidence says is happening to each one. The official wording sits under every line so you can check the rewrite against it.

3 of this occupation's scored task statements carry a score that was measured under a different occupation's context, because the statement is shared between jobs and has only been scored once so far. Each one names the occupation it was measured under in the free routes below; none is presented as a measurement for this job.
Task clusters are not derived in this release, so the task-cluster field is empty and no Collab365 Space routing is attached to this occupation yet.

Shifting to AI

68 tasks

Tasks today’s tools can already do most of. This is the part we will not soften: where these rows are the bulk of your week, the week changes.

Completing loan applications and crediting analyses
This is reading one thing and writing another: loan applications in, a record out. That is the shape today's tools are built for.
importance 90 · 2422/01, 2422/04
Source: “Complete loan applications and credit analyses.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Filling in loan applications and running the credit analysis is form and calculation work software does reliably.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Reviewing customer files to identify and select overdue accounts for collection
This is reading one thing and writing another: customer files in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/01, 2422/04
Source: “Review customer files to identify and select overdue accounts for collection.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Finding overdue accounts in customer files is a database search software does faster and more consistently.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Preparing investment performance reports for clients and investment managers
This is reading one thing and writing another: investment performance reports in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02, 2422/03
Source: “Prepare investment performance reports for clients and investment managers.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Performance reports are produced automatically from holdings and market data by portfolio systems.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Monitoring new types of loans and other financial services and products to better meet customers' needs
This is reading one thing and writing another: new types of loans in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02, 2422/04
Source: “Monitor new types of loans and other financial services and products to better meet customers' needs.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (59–73 allowing for uncertainty): high exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Keeping up with new loans and services on the market is research software can do continuously.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.

Changing shape

30 tasks

Tasks where the machine takes the producing and a person keeps the checking, the deciding, or the answering-for-it. For most jobs this is the biggest group, and it is where "transformation, not termination" is literally visible.

Analysing client financial information to determine strategies for meeting financial objectives
The software now makes the first pass at client financial information, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 90 · 2422/02, 2422/04
Source: “Analyse client financial information to determine strategies for meeting financial objectives.” (UK task statement)
How this row was scored
Exposure score: 48 out of 100 (41–55 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Software can analyse the numbers and suggest strategies, but a qualified adviser normally shapes and owns the plan.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Liaising with estate agents, valuers and mortgage lenders during property transactions
The software now makes the first pass at estate agents, but the part that matters is a person saying it and standing behind it. So the job becomes checking and deciding rather than producing.
importance 50 · 2422/02, 2422/04
Source: “Liaise with estate agents, valuers, and mortgage lenders during property transactions.” (UK task statement)
How this row was scored
Exposure score: 53 out of 100 (46–60 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; the value is that a specific person does it.
The rating behind it: Chasing agents, valuers and lenders is largely messages and follow-ups, though deals often move on a phone call.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 0/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Submitting loan applications with recommendation for underwriting approval
The software now makes the first pass at loan applications, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 90 · 2422/01
Source: “Submit loan applications with recommendation for underwriting approval.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (52–60 allowing for uncertainty): partial exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Assembling the file and drafting a recommendation follows set criteria; the actual approval is made by the underwriter afterwards.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.

Staying human

57 tasks

Tasks that stay with a person, because they happen in the physical world, because the rules need someone accountable, or because the value is that a specific person does them.

Discussing financial situations and planning with clients
The rules require a named, qualified person to answer for financial situations, and that person cannot be a piece of software.
importance 80 · 2422/02, 2422/04
Source: “Discuss financial situations and planning with clients.” (UK task statement)
How this row was scored
Exposure score: 21 out of 100 (14–28 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Talking through money worries depends on trust built with that particular client in the room or on the call.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Developing new business opportunities to enhance investment portfolios and client base
The value here is that a specific person handles new business opportunities and stands behind it. That is earned, not computed.
importance 80 · 2422/02, 2422/03
Source: “Develop new business opportunities to enhance investment portfolios and client base.” (UK task statement)
How this row was scored
Exposure score: 16 out of 100 (9–23 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Lists and pitch material can be generated, but winning new clients in investment work depends on personal relationships and referrals.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Promoting financial products and services
The rules require a named, qualified person to answer for financial products, and that person cannot be a piece of software.
importance 70 · 2422/02, 2422/04
Source: “Promote financial products and services.” (UK task statement)
How this row was scored
Exposure score: 39 out of 100 (32–46 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Software can write the marketing, but financial promotions must be approved by an authorised person.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.

Show the other 145 tasks

Using specialist computer software to present spreadsheets and graphs
shifting to AI
This is reading one thing and writing another: specialist computer software in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/03
Source: “Use specialist computer software to present spreadsheets and graphs.” (UK task statement)
How this row was scored
Exposure score: 100 out of 100 (96–100 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Building spreadsheets and charts from data is one of the things current software does fastest and most reliably.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 0/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Using computer systems to access customer information and updating account details
shifting to AI
This is reading one thing and writing another: computer systems in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Use computer systems to access customer information and update account details.” (UK task statement)
How this row was scored
Exposure score: 93 out of 100 (89–97 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Looking up and updating customer account details is straightforward system work software does faster and more accurately.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 0/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Reviewing and verifying the accuracy of billing statements and invoices
shifting to AI
This is reading one thing and writing another: the accuracy of billing statements in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/04
Source: “Review and verify the accuracy of billing statements and invoices.” (UK task statement)
How this row was scored
Exposure score: 93 out of 100 (89–97 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Checking invoices and statements against records is arithmetic and matching, which software does faster and more accurately.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 0/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Updating and recategorising account records according to status changes
shifting to AI
This is reading one thing and writing another: account records in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/04
Source: “Update and recategorise account records according to status changes.” (UK task statement)
How this row was scored
Exposure score: 93 out of 100 (89–97 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Updating and recategorising account records as statuses change is routine system work software does reliably.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 0/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Maintaining accurate records
shifting to AI
This is reading one thing and writing another: accurate records in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Maintain accurate records.” (UK task statement)
How this row was scored
Exposure score: 88 out of 100 (84–92 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Keeping records complete and accurate is routine, well-documented work that software already handles reliably in finance.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Maintaining records of clients
shifting to AI
This is reading one thing and writing another: records of clients in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Maintain records of clients.” (UK task statement)
How this row was scored
Exposure score: 88 out of 100 (84–92 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Client record-keeping is routine, structured work that finance systems and software already handle reliably.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Performing securities valuation or pricing
shifting to AI
This is reading one thing and writing another: securities valuation in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Perform securities valuation or pricing.” (UK task statement)
How this row was scored
Exposure score: 88 out of 100 (84–92 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Valuation and pricing methods are standard and the inputs are market data, so software produces results at professional quality.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Compiling accounting and auditing tables for accounts payable and receivable
shifting to AI
This is reading one thing and writing another: tables in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/03
Source: “Compile accounting and auditing tables for accounts payable and receivable.” (UK task statement)
How this row was scored
Exposure score: 88 out of 100 (84–92 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Compiling payables and receivables tables is structured data work that accounting software and automation already do reliably.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Calculating detailed payment schedules for financial transactions
shifting to AI
This is reading one thing and writing another: detailed payment schedules in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/04
Source: “Calculate detailed payment schedules for financial transactions.” (UK task statement)
How this row was scored
Exposure score: 88 out of 100 (84–92 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Payment schedules follow published formulas, and software calculates them exactly every time.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Analysing credit data and financial statements to assess the risk in extending credit or lending money
shifting to AI
This is reading one thing and writing another: credit data in, a record out. That is the shape today's tools are built for.
importance 90 · 2422/01
Source: “Analyse credit data and financial statements to assess the risk in extending credit or lending money.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Credit scoring from financial statements and data is long-established software work, with a lender still signing off.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Comparing liquidity, profitability and crediting histories of businesses being evaluated with those of similar businesses in the same industries and geographic locations
shifting to AI
This is reading one thing and writing another: liquidity in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/01
Source: “Compare liquidity, profitability, and credit histories of businesses being evaluated with those of similar businesses in the same industries and geographic locations.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Comparing a firm's ratios against similar businesses in the same sector and area is what analysis software does.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Generating financial ratios using computer programs to evaluate customers' financial status
shifting to AI
This is reading one thing and writing another: financial ratios in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/01
Source: “Generate financial ratios using computer programs to evaluate customers' financial status.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: These ratios are already produced by computer programs, as the task itself says.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Researching financial funds and products
shifting to AI
This is reading one thing and writing another: financial funds in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/02
Source: “Research financial funds and products.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Screening and comparing funds and products is a data task software already does across the whole market.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Calculating the value of pension funds
shifting to AI
This is reading one thing and writing another: the value of pension funds in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Calculate the value of pension funds.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Valuing a pension fund is a defined calculation on known figures, which software performs accurately.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Generating cash flow statements and performing variance analysis
shifting to AI
This is reading one thing and writing another: cash flow statements in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Generate cash flow statements and perform variance analysis.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Cash flow statements and variance analysis come straight from accounting data, which software processes reliably.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Preparing financial reports for organisational and client review
shifting to AI
This is reading one thing and writing another: financial reports in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Prepare financial reports for organisational and client review.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Building financial reports from accounting data is routine software work, with a person reviewing before release.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Issuing regular statements to pension scheme members
shifting to AI
This is reading one thing and writing another: regular statements in, a record out. That is the shape today's tools are built for.
importance 50 · 2422/02
Source: “Issue regular statements to pension scheme members.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Member statements are generated from scheme records, which software produces on schedule.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Analysing data to inform financial decision-making
shifting to AI
This is reading one thing and writing another: data in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/03
Source: “Analyse data to inform financial decision-making.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Turning financial data into analysis that supports a decision is a core strength of current software.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Analysing compiled data to determine financial resources required for programme implementation
shifting to AI
This is reading one thing and writing another: compiled data in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Analyse compiled data to determine financial resources required for programme implementation.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Working out what a programme will cost from compiled data is calculation and modelling software does well.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Exploring alternative financing methods through cost-benefit analyses
shifting to AI
This is reading one thing and writing another: alternative financing methods in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Explore alternative financing methods through cost-benefit analyses.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Comparing financing options on cost and benefit is a modelling job software does thoroughly and quickly.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Performing cost-benefit analyses to compare operating programmes
shifting to AI
This is reading one thing and writing another: cost-benefit analyses in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Perform cost-benefit analyses to compare operating programmes, review financial requests, or explore alternative financing methods.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Cost-benefit comparison across programmes and financing options is structured modelling software does well.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Interpreting budget directives
shifting to AI
This is reading one thing and writing another: budget directives in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/03
Source: “Interpret budget directives.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Reading budget directives and working out what they require is document work software does accurately.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Matching allocations for specific programmes with allocations for broader programmes
shifting to AI
This is reading one thing and writing another: allocations in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/03
Source: “Match allocations for specific programmes with allocations for broader programmes, including items for emergency funds.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Matching allocations across programmes and reserves is reconciliation work software does exactly.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Reviewing budget estimates
shifting to AI
This is reading one thing and writing another: budget estimates in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/03
Source: “Review budget estimates for completeness, accuracy, and conformance with procedures and regulations.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Checking budget estimates for completeness, accuracy and rule compliance is the sort of checking software does best.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Reviewing operating budgets to analyse trends affecting budget needs
shifting to AI
This is reading one thing and writing another: budgets in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/03
Source: “Review operating budgets to analyse trends affecting budget needs.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Spotting trends across operating budgets is a data analysis task software performs quickly and consistently.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Summarising budgets related to funding requests
shifting to AI
This is reading one thing and writing another: budgets in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/03
Source: “Summarise budgets related to funding requests.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Summarising budgets behind a funding request is document work software does clearly.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Analysing potential loan markets
shifting to AI
This is reading one thing and writing another: potential loan markets in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/04
Source: “Analyse potential loan markets.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Analysing loan markets is data work software does across more sources than a person could review.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Reviewing credit and loan files
shifting to AI
This is reading one thing and writing another: credit in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/04
Source: “Review credit and loan files.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Reviewing credit and loan files for completeness and accuracy is document checking software does thoroughly.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Forwarding irreconcilable accounts to debt collectors for action
shifting to AI
This is reading one thing and writing another: irreconcilable accounts in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/04
Source: “Forward irreconcilable accounts to debt collectors for action.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Identifying and passing on accounts that cannot be settled follows fixed rules and is straightforward to automate.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Selecting financial award candidates using electronic databases to certify loan eligibility
shifting to AI
This is reading one thing and writing another: financial award candidates in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/04
Source: “Select financial award candidates using electronic databases to certify loan eligibility.” (UK task statement)
How this row was scored
Exposure score: 81 out of 100 (77–85 allowing for uncertainty): very high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Selecting eligible candidates from a database against set criteria is a query software runs instantly.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Informing clients about tax benefits and government incentives for alternative-fuel vehicle purchases
shifting to AI
This is reading one thing and writing another: clients in, a record out. That is the shape today's tools are built for.
importance 50 · 2422/02
Source: “Inform clients about tax benefits and government incentives for alternative-fuel vehicle purchases.” (UK task statement)
How this row was scored
Exposure score: 74 out of 100 (70–78 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Tax reliefs and grants for low-emission vehicles are published rules software can look up and explain precisely.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 4/4.
Creating financial presentations for clients
shifting to AI
This is reading one thing and writing another: financial presentations in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Create financial presentations for clients.” (UK task statement)
How this row was scored
Exposure score: 74 out of 100 (67–81 allowing for uncertainty): high exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Turning figures into a clear client presentation is document work software does very well, with compliance checking it before use.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 4/4.
Informing customers about credit, funding options, incentives and tax rebates
shifting to AI
This is reading one thing and writing another: customers in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/04
Source: “Inform customers about credit, funding options, incentives, and tax rebates.” (UK task statement)
How this row was scored
Exposure score: 74 out of 100 (70–78 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Credit options, incentives and tax rebates are published information software can look up and explain accurately.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 4/4.
Keeping up to date with financial products and legislation
shifting to AI
This is reading one thing and writing another: to date in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Keep up to date with financial products and legislation.” (UK task statement)
How this row was scored
Exposure score: 72 out of 100 (68–76 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Product terms and legislation are published and change in public, so automated tracking and summarising covers most of this.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Analysing financial information to forecast business
shifting to AI
This is reading one thing and writing another: financial information in, a record out. That is the shape today's tools are built for.
importance 90 · 2422/03
Source: “Analyse financial information to forecast business, industry, or economic conditions and guide investment decisions.” (UK task statement)
How this row was scored
Exposure score: 72 out of 100 (68–76 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Forecasting from published financial and economic data is a well-documented, data-rich task that software performs strongly.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Assessing the financial or capital impact of transactions using financial models
shifting to AI
This is reading one thing and writing another: the financial or capital impact of transactions in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/03
Source: “Assess the financial or capital impact of transactions using financial models.” (UK task statement)
How this row was scored
Exposure score: 72 out of 100 (68–76 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Modelling the impact of a transaction is structured calculation on well-documented methods, which software performs quickly and accurately.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Evaluating and comparing the relative quality of various securities in a given industry
shifting to AI
This is reading one thing and writing another: the relative quality of various securities in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/03
Source: “Evaluate and compare the relative quality of various securities in a given industry.” (UK task statement)
How this row was scored
Exposure score: 72 out of 100 (68–76 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Company and market data is public and abundant, so comparing securities is work software does quickly and well.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Interpreting data on price, yield and stability for investment programmes
shifting to AI
This is reading one thing and writing another: data in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Interpret data on price, yield, and stability for investment programmes.” (UK task statement)
How this row was scored
Exposure score: 72 out of 100 (68–76 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Price and yield data is abundant and machine-readable, so interpreting it is work software already does at professional standard.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Monitoring developments in the fields of business
shifting to AI
This is reading one thing and writing another: developments in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Monitor developments in the fields of business, finance, and economic theory.” (UK task statement)
How this row was scored
Exposure score: 72 out of 100 (65–79 allowing for uncertainty): high exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Business and economic developments are all published, so automated scanning and summarising covers most of this, with the analyst judging relevance.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Monitoring the financial news using specialist media sources
shifting to AI
This is reading one thing and writing another: the financial news in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Monitor the financial news using specialist media sources.” (UK task statement)
How this row was scored
Exposure score: 72 out of 100 (65–79 allowing for uncertainty): high exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Financial news feeds are digital and abundant, so automated monitoring and summarising handles most of the work for the analyst.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 4/4.
Devising debt repayment plans that include payoff priorities and timelines
shifting to AI
This is reading one thing and writing another: debt repayment plans in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/02
Source: “Devise debt repayment plans that include payoff priorities and timelines.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Working out which debts to clear first and by when is arithmetic and rules that software applies reliably.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Guiding clients in the gathering of information
shifting to AI
This is reading one thing and writing another: clients in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/02
Source: “Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension schemes, or wills.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Telling a client which documents to dig out is a checklist software can produce and chase.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Regularlying update clients on their pensions and investment products
shifting to AI
This is reading one thing and writing another: update clients in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/02
Source: “Regularly update clients on their pensions and investment products.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Regular pension and investment updates are generated from account data, which software does accurately and on time.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Reviewing clients' accounts regularly to identify any need for plan reassessment due to life or economic changes
shifting to AI
This is reading one thing and writing another: clients' accounts in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/02
Source: “Review clients' accounts regularly to identify any need for plan reassessment due to life or economic changes.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Watching accounts for changes that should trigger a review is monitoring software does continuously.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Directing customers to specialised staff for the sale of specific financial products
shifting to AI
This is reading one thing and writing another: customers in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Direct customers to specialised staff for the sale of specific financial products.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Working out which specialist a customer needs is routing software does quickly and consistently.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Providing administrative support to financial advisers
shifting to AI
This is reading one thing and writing another: administrative support in, a record out. That is the shape today's tools are built for.
importance 50 · 2422/02
Source: “Provide administrative support to financial advisers.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Adviser support is diary, document and record work that software handles well.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Referring complaints to a supervisor
shifting to AI
This is reading one thing and writing another: complaints in, a record out. That is the shape today's tools are built for.
importance 50 · 2422/02
Source: “Refer complaints to a supervisor.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Passing a complaint to the right supervisor is a routing step software can do immediately.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Preparing and analysing annual reports and financial statements using accepted accounting procedures
shifting to AI
This is reading one thing and writing another: annual reports in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Prepare and analyse annual reports and financial statements using accepted accounting procedures.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Accounts are largely produced by software, but statutory reports still need a qualified accountant behind them.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Assessing customer affordability for loans considering potential future changes in interest rates or personal circumstances
shifting to AI
This is reading one thing and writing another: customer affordability in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/04
Source: “Assess customer affordability for loans considering potential future changes in interest rates or personal circumstances.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Affordability and stress testing is a defined calculation lenders already automate, with an adviser accountable for it.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Approving loans within specified limits
shifting to AI
This is reading one thing and writing another: loans within specified limits in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/04
Source: “Approve loans within specified limits.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Lending decisions inside set limits are already made automatically, with a person accountable for the policy.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Matching individuals' needs and eligibility with available financial aid programmes to provide informed recommendations
shifting to AI
This is reading one thing and writing another: individuals' needs in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/04
Source: “Match individuals' needs and eligibility with available financial aid programmes to provide informed recommendations.” (UK task statement)
How this row was scored
Exposure score: 69 out of 100 (65–73 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Matching someone's circumstances against published eligibility rules is a checking job software does thoroughly.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Assessing lending risk based on financial data
shifting to AI
This is reading one thing and writing another: risk in, a record out. That is the shape today's tools are built for.
importance 90 · 2422/01
Source: “Assess lending risk based on financial data.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (62–70 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Judging credit risk from financial data is exactly the kind of pattern work software does well, with the lender still owning the decision.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Assessing customer records and recommending payment plans
shifting to AI
This is reading one thing and writing another: customer records in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/01
Source: “Assess customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (59–73 allowing for uncertainty): high exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Working out an affordable payment plan from earnings and payment history is calculation software handles, subject to a check.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Monitoring and integrating new legal developments relevant to the field
shifting to AI
This is reading one thing and writing another: this work in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Monitor and integrate new legal developments relevant to the field.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (59–73 allowing for uncertainty): high exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Tracking rule changes and working out what they mean is reading and summarising, which software does well.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Monitoring and integrating new products into offerings
shifting to AI
This is reading one thing and writing another: new products in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Monitor and integrate new products into offerings.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (59–73 allowing for uncertainty): high exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Reviewing new products and slotting them into what the firm offers is largely research and documentation.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Performing risk analyses to identify potential security or financial threats
shifting to AI
This is reading one thing and writing another: risk analyses in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/02
Source: “Perform risk analyses to identify potential security or financial threats.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (59–73 allowing for uncertainty): high exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Identifying financial and security risks from available data is analysis software does thoroughly.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Evaluating the financial performance of target companies
shifting to AI
This is reading one thing and writing another: the financial performance of target companies in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/03
Source: “Evaluate the financial performance of target companies.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (59–73 allowing for uncertainty): high exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Software can analyse a target's accounts well, though the decisive detail is often private and needs judgement.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Conducting financial analyses for investments in green construction projects
shifting to AI
This is reading one thing and writing another: financial analyses in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/03
Source: “Conduct financial analyses for investments in green construction projects.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (62–70 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Project financial analysis follows established methods on data that can be assembled digitally, so software produces solid results.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Compiling and organising materials required for financial transactions or deal executions
shifting to AI
This is reading one thing and writing another: materials in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/03
Source: “Compile and organise materials required for financial transactions or deal executions.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (62–70 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Assembling deal documents from checklists and templates is structured work that software handles quickly and consistently.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Assessing loan applications to determine eligibility
shifting to AI
This is reading one thing and writing another: loan applications in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/04
Source: “Assess loan applications to determine eligibility.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (62–70 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Eligibility rules are fixed and the data is structured, so automated decisioning already handles most applications.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Reviewing loan agreements to ensure that they are complete and accurate according to policy
shifting to AI
This is reading one thing and writing another: loan agreements in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/04
Source: “Review loan agreements to ensure that they are complete and accurate according to policy.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (62–70 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Checking a standard agreement against a checklist is well-defined document work that software does accurately and fast.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Reviewing accounts to determine write-offs for collection agencies
shifting to AI
This is reading one thing and writing another: accounts in, a record out. That is the shape today's tools are built for.
importance 60 · 2422/04
Source: “Review accounts to determine write-offs for collection agencies.” (UK task statement)
How this row was scored
Exposure score: 66 out of 100 (62–70 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Deciding which balances are uncollectable follows set criteria on data already held, which software applies consistently.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Explaining what type of mortgage adviser you
shifting to AI
This is reading one thing and writing another: what type of mortgage adviser you in, a record out. That is the shape today's tools are built for.
importance 70 · 2422/04
Source: “Explain what type of mortgage adviser you are.” (UK task statement)
How this row was scored
Exposure score: 64 out of 100 (60–68 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: This is a set disclosure with published wording, so producing it is straightforward once the firm's status is known.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 4/4.
Explaining the different types of mortgages to clients
shifting to AI
This is reading one thing and writing another: the different types of mortgages in, a record out. That is the shape today's tools are built for.
importance 80 · 2422/04
Source: “Explain the different types of mortgages to clients.” (UK task statement)
How this row was scored
Exposure score: 61 out of 100 (57–65 allowing for uncertainty): high exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; the value is that a specific person does it.
The rating behind it: The differences between mortgage types are published, well-documented facts software explains clearly.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 4/4.
Offer mortgage products for clients to choose
changing shape
The software now makes the first pass at mortgage products, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 80 · 2422/04
Source: “Offer mortgage products for clients to choose from.” (UK task statement)
How this row was scored
Exposure score: 59 out of 100 (55–63 allowing for uncertainty): partial exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Shortlisting suitable mortgage products from the market is a search and filter job software does across every lender.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Clarifying how compensation for services
changing shape
The software now makes the first pass at how compensation, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 60 · 2422/04
Source: “Clarify how compensation for services is structured.” (UK task statement)
How this row was scored
Exposure score: 59 out of 100 (55–63 allowing for uncertainty): partial exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Explaining how fees and commission work is a set disclosure software can produce clearly and consistently.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Explaining financial products simply and clearly
changing shape
The software now makes the first pass at financial products, but the part that matters is a person saying it and standing behind it. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/02
Source: “Explain financial products simply and clearly.” (UK task statement)
How this row was scored
Exposure score: 57 out of 100 (53–61 allowing for uncertainty): partial exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; the value is that a specific person does it.
The rating behind it: Turning financial jargon into plain English is one of the things software does very well.
The five ratings: output a model can produce 4/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Researching clients and markets to provide tailored financial advice
changing shape
The software now makes the first pass at clients, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 80 · 2422/02
Source: “Research clients and markets to provide tailored financial advice.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Researching a client's situation and the market is reading and analysis work software handles well.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Coordinating financial matters with head office and financial services providers
changing shape
The software now makes the first pass at financial matters, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/02
Source: “Coordinate financial matters with head office and financial services providers.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Coordinating with head office and providers is messages, forms and follow-ups that software handles well.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Adhering to relevant legislation and maintaining required documentation
changing shape
The software now makes the first pass at relevant legislation, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 60 · 2422/02
Source: “Adhere to relevant legislation and maintain required documentation.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Keeping the required records is document work software does well, though the duty to comply sits with a person.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Answering customers' queries about services
changing shape
The software now makes the first pass at customers' queries, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 60 · 2422/02
Source: “Answer customers' queries about services.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (52–60 allowing for uncertainty): partial exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Routine questions about products and services are already answered by automated channels, with staff picking up the unusual ones.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Answering specific enquiries from scheme members regarding their benefits and obligations
changing shape
The software now makes the first pass at specific enquiries, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 50 · 2422/02
Source: “Answer specific enquiries from scheme members regarding their benefits and obligations.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Answering members' questions about their benefits draws on scheme documents, which software can read and explain.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Collecting payments from customers
changing shape
The software now makes the first pass at payments, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 50 · 2422/02
Source: “Collect payments from customers.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Payment collection is already largely automated through banking systems, with staff stepping in only when something goes wrong.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Managing the budgetary process and analysing variances
changing shape
The software now makes the first pass at the budgetary process, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/03
Source: “Manage the budgetary process and analyse variances.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Variance analysis is automated, but running the budget process means chasing and negotiating with people.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Providing advice and technical assistance with cost analysis
changing shape
The software now makes the first pass at advice, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/03
Source: “Provide advice and technical assistance with cost analysis, fiscal allocation, and budget preparation.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Software can do the cost analysis and draft the budget, though colleagues want someone to talk it through.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Assisting customers in completing mortgage applications
changing shape
The software now makes the first pass at customers, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 80 · 2422/04
Source: “Assist customers in completing mortgage applications.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Filling in a mortgage application from a client's details is form work software handles well.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Interviewing loan applicants to obtain personal and financial data and to assist in completing applications
changing shape
The software now makes the first pass at loan applicants, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/04
Source: “Interview loan applicants to obtain personal and financial data and to assist in completing applications.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Collecting application details is highly structured and already done online, with the adviser helping where an applicant gets stuck.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Resolving queries about applications with applicants or creditors
changing shape
The software now makes the first pass at queries, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/04
Source: “Resolve queries about applications with applicants or creditors.” (UK task statement)
How this row was scored
Exposure score: 56 out of 100 (49–63 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: Answering application queries draws on file records software can search and explain.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Presenting oral reports on general economic trends
changing shape
The software now makes the first pass at oral reports, but the part that matters is a person saying it and standing behind it. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/03
Source: “Present oral reports on general economic trends, individual companies, and industries.” (UK task statement)
How this row was scored
Exposure score: 51 out of 100 (44–58 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; the value is that a specific person does it.
The rating behind it: The analysis and slides can largely be produced automatically; the live delivery still depends on the analyst's standing with the audience.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 4/4.
Analysing information and preparing plans best suited to individual clients' requirements
changing shape
The software now makes the first pass at information, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 80 · 2422/02
Source: “Analyse information and prepare plans best suited to individual clients' requirements.” (UK task statement)
How this row was scored
Exposure score: 48 out of 100 (41–55 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Drafting a plan from a client's circumstances is something software does well, with a qualified adviser finalising it.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Evaluating capital needs of clients and assessing market conditions to inform structuring of financial packages
changing shape
The software now makes the first pass at capital needs of clients, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 80 · 2422/03
Source: “Evaluate capital needs of clients and assess market conditions to inform structuring of financial packages.” (UK task statement)
How this row was scored
Exposure score: 48 out of 100 (41–55 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Market data and funding structures are well documented so the analysis drafts well, with an authorised adviser owning the final structure.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Making funding recommendations
changing shape
The software now makes the first pass at recommendations, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/03
Source: “Make funding recommendations.” (UK task statement)
How this row was scored
Exposure score: 48 out of 100 (41–55 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Software can build the case, though funding recommendations normally carry a qualified person's name.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Analysing new mortgage products and regulatory changes to advise clients accurately
changing shape
The software now makes the first pass at new mortgage products, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 80 · 2422/04
Source: “Analyse new mortgage products and regulatory changes to advise clients accurately.” (UK task statement)
How this row was scored
Exposure score: 48 out of 100 (41–55 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Tracking new mortgage products and rule changes is research software does well, though the advice itself is regulated.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Providing clients with information to help them make informed decisions
changing shape
The software now makes the first pass at clients, but the part that matters is a person saying it and standing behind it. So the job becomes checking and deciding rather than producing.
importance 80 · 2422/02
Source: “Provide clients with information to help them make informed decisions.” (UK task statement)
How this row was scored
Exposure score: 46 out of 100 (39–53 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; the value is that a specific person does it.
The rating behind it: Giving people clear information to decide for themselves is something software does well, short of a personal recommendation.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Interpreting income projections and financial documents for clients
changing shape
The software now makes the first pass at income projections, but the part that matters is a person saying it and standing behind it. So the job becomes checking and deciding rather than producing.
importance 60 · 2422/02
Source: “Interpret income projections and financial documents for clients.” (UK task statement)
How this row was scored
Exposure score: 46 out of 100 (39–53 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; the value is that a specific person does it.
The rating behind it: Software can explain what the projections and documents mean, though clients often want it walked through with them.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Speaking with customers to assess customer needs or obtain feedback
changing shape
The software now makes the first pass at customers, but the part that matters is a person saying it and standing behind it. So the job becomes checking and deciding rather than producing.
importance 60 · 2422/04
Source: “Speak with customers to assess customer needs or obtain feedback.” (UK task statement)
How this row was scored
Exposure score: 46 out of 100 (39–53 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; the value is that a specific person does it.
The rating behind it: Software can gather needs and feedback through forms and chat, though some customers open up more to a person.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Finding new opportunities to optimise investment strategies and maximise returns
changing shape
The software now makes the first pass at new opportunities, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 80 · 2422/03
Source: “Find new opportunities to optimise investment strategies and maximise returns.” (UK task statement)
How this row was scored
Exposure score: 44 out of 100 (37–51 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: mistakes that are cheap to catch.
The rating behind it: Spotting genuinely new ways to improve returns needs judgement and market feel more than data processing.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 0/4 · how much data exists 2/4.
Identifying and implementing strategies to enhance business operational efficiency
changing shape
The software now makes the first pass at strategies, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/03
Source: “Identify and implement strategies to enhance business operational efficiency.” (UK task statement)
How this row was scored
Exposure score: 43 out of 100 (36–50 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: mistakes that are cheap to catch.
The rating behind it: Software can suggest efficiencies, but making them happen means persuading people and changing how a business works.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 0/4 · needs to be trusted in the moment 1/4 · how much data exists 2/4.
Overseeing the preparation of regular budget reports
changing shape
The software now makes the first pass at the preparation of regular budget reports, but the deciding part still needs a person. So the job becomes checking and deciding rather than producing.
importance 60 · 2422/03
Source: “Oversee the preparation of regular budget reports.” (UK task statement)
How this row was scored
Exposure score: 43 out of 100 (36–50 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; mistakes that are cheap to catch.
The rating behind it: The reports themselves are automated, but overseeing the work means directing colleagues and taking responsibility.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Executing financial planning recommendations for clients
changing shape
The software now makes the first pass at financial planning recommendations, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 70 · 2422/02
Source: “Execute financial planning recommendations for clients.” (UK task statement)
How this row was scored
Exposure score: 40 out of 100 (33–47 allowing for uncertainty): partial exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Putting a plan into effect means placing regulated business, which an authorised firm has to do.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Opening accounts for clients and disburse funds from accounts to creditors as agent for clients
changing shape
The software now makes the first pass at accounts, but someone has to be answerable for the result, and it cannot be the software. So the job becomes checking and deciding rather than producing.
importance 50 · 2422/02
Source: “Open accounts for clients, and disburse funds from accounts to creditors as agent for clients.” (UK task statement)
How this row was scored
Exposure score: 40 out of 100 (36–44 allowing for uncertainty): partial exposure, high confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Opening accounts and making payments is highly automated, but holding and moving client money is restricted to authorised firms.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Advising on cash management strategies to help clients achieve their financial objectives
staying human
The rules require a named, qualified person to answer for cash management strategies, and that person cannot be a piece of software.
importance 80 · 2422/02
Source: “Advise on cash management strategies to help clients achieve their financial objectives.” (UK task statement)
How this row was scored
Exposure score: 39 out of 100 (32–46 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Cash management ideas can be worked out from the figures, but clients expect a qualified person talking them through.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Answering clients' questions about the purposes and details of financial plans and strategies
staying human
The rules require a named, qualified person to answer for clients' questions, and that person cannot be a piece of software.
importance 70 · 2422/02
Source: “Answer clients' questions about the purposes and details of financial plans and strategies.” (UK task statement)
How this row was scored
Exposure score: 39 out of 100 (32–46 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Explaining how a plan works is something software does clearly, though clients want a qualified person answering.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Recommending investment strategies and borrowing solutions to finance departments
staying human
The rules require a named, qualified person to answer for investment strategies, and that person cannot be a piece of software.
importance 70 · 2422/02
Source: “Recommend investment strategies and borrowing solutions to finance departments.” (UK task statement)
How this row was scored
Exposure score: 39 out of 100 (32–46 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Software can model the options, but finance teams expect a named professional behind the recommendation.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Advising clients about buying a home
staying human
The rules require a named, qualified person to answer for clients, and that person cannot be a piece of software.
importance 80 · 2422/04
Source: “Advise clients about buying a home, including market trends and legal considerations.” (UK task statement)
How this row was scored
Exposure score: 39 out of 100 (32–46 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Market and legal facts are easily produced, but buyers making a huge purchase want a qualified person.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Explaining repayment terms and mortgage protection options to clients
staying human
The rules require a named, qualified person to answer for repayment terms, and that person cannot be a piece of software.
importance 80 · 2422/04
Source: “Explain repayment terms and mortgage protection options to clients.” (UK task statement)
How this row was scored
Exposure score: 39 out of 100 (32–46 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Repayment terms and protection options can be explained clearly by software, but the advice sits with a qualified person.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Advising clients on prioritising their debts based on urgency and interest rates
staying human
The rules require a named, qualified person to answer for clients, and that person cannot be a piece of software.
importance 70 · 2422/04
Source: “Advise clients on prioritising their debts based on urgency and interest rates.” (UK task statement)
How this row was scored
Exposure score: 39 out of 100 (32–46 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Ranking debts by cost and urgency is arithmetic, though debt advice is regulated and people want reassurance.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Overseeing the administration of pension schemes
staying human
The rules require a named, qualified person to answer for the administration of pension schemes, and that person cannot be a piece of software.
importance 50 · 2422/02
Source: “Oversee the administration of pension schemes.” (UK task statement)
How this row was scored
Exposure score: 37 out of 100 (30–44 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Scheme administration can be largely systemised, but someone qualified has to hold responsibility for it.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Ensuring business operations comply with strict financial services industry regulations
staying human
The rules require a named, qualified person to answer for business operations, and that person cannot be a piece of software.
importance 70 · 2422/03
Source: “Ensure business operations comply with strict financial services industry regulations.” (UK task statement)
How this row was scored
Exposure score: 36 out of 100 (29–43 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Compliance can be largely automated, but the rules require named, accountable individuals to hold responsibility.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Purchasing investments for companies in accordance with company policy
staying human
The rules require a named, qualified person to answer for investments, and that person cannot be a piece of software.
importance 70 · 2422/03
Source: “Purchase investments for companies in accordance with company policy.” (UK task statement)
How this row was scored
Exposure score: 36 out of 100 (32–40 allowing for uncertainty): low exposure, high confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Order placing is already largely automated, but buying investments for someone else is an activity the regulator restricts to authorised firms.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Ensuring compliance with FCA regulations and procedures
staying human
The rules require a named, qualified person to answer for compliance, and that person cannot be a piece of software.
importance 70 · 2422/04
Source: “Ensure compliance with FCA regulations and procedures.” (UK task statement)
How this row was scored
Exposure score: 36 out of 100 (29–43 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Monitoring can be automated, but the rules put responsibility on named individuals at the firm.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Ensuring budget adjustments align with programme changes through consultation with managers
staying human
The value here is that a specific person handles budget adjustments align and stands behind it. That is earned, not computed.
importance 60 · 2422/03
Source: “Ensure budget adjustments align with programme changes through consultation with managers.” (UK task statement)
How this row was scored
Exposure score: 35 out of 100 (28–42 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; the value is that a specific person does it.
The rating behind it: Reworking budgets is calculation, but agreeing them means talking managers through what has changed.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Recommending investments in cleantech and alternative energy
staying human
The rules require a named, qualified person to answer for investments, and that person cannot be a piece of software.
importance 60 · 2422/02
Source: “Recommend investments in cleantech and alternative energy.” (UK task statement)
How this row was scored
Exposure score: 33 out of 100 (26–40 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: The research can be automated, but recommending investments to a client is a regulated act by an authorised adviser.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Recommending shares and bonds as financial products
staying human
The rules require a named, qualified person to answer for shares, and that person cannot be a piece of software.
importance 60 · 2422/02
Source: “Recommend shares and bonds as financial products.” (UK task statement)
How this row was scored
Exposure score: 33 out of 100 (26–40 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Recommending specific shares or bonds to a client is a regulated act only an authorised adviser can make.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Presenting and explaining various mortgage options to clients based on their financial situation
staying human
The rules require a named, qualified person to answer for various mortgage options, and that person cannot be a piece of software.
importance 80 · 2422/04
Source: “Present and explain various mortgage options to clients based on their financial situation.” (UK task statement)
How this row was scored
Exposure score: 33 out of 100 (26–40 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: reading one thing and writing another; the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Comparing options is automatable, but recommending a mortgage to a particular client is a regulated act.
The five ratings: output a model can produce 3/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Conferring with credit association and other business representatives to exchange credit information
staying human
The value here is that a specific person handles credit association and stands behind it. That is earned, not computed.
importance 70 · 2422/01
Source: “Confer with credit association and other business representatives to exchange credit information.” (UK task statement)
How this row was scored
Exposure score: 31 out of 100 (24–38 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Formal credit data already moves electronically, but the informal exchanges between firms happen through people who know each other.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 2/4.
Meeting with clients' advisers to fully understand their financial goals and circumstances
staying human
The value here is that a specific person handles clients' advisers and stands behind it. That is earned, not computed.
importance 70 · 2422/02, 2422/04
Source: “Meet with clients' advisers to fully understand their financial goals and circumstances.” (UK task statement)
How this row was scored
Exposure score: 31 out of 100 (24–38 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Meeting a client's other advisers relies on professional rapport and things said rather than written down.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 2/4.
Determining the prices at which securities should be syndicated and offered to the public
staying human
The rules require a named, qualified person to answer for the prices, and that person cannot be a piece of software.
importance 60 · 2422/03
Source: “Determine the prices at which securities should be syndicated and offered to the public.” (UK task statement)
How this row was scored
Exposure score: 31 out of 100 (24–38 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Comparable pricing can be modelled, but setting the price for a public offering is a decision only an authorised firm can take.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Fullying cooperate with any enquiry or investigation from the financial ombudsman should things go wrong
staying human
The rules require a named, qualified person to answer for cooperate, and that person cannot be a piece of software.
importance 60 · 2422/04
Source: “Fully cooperate with any enquiry or investigation from the financial ombudsman should things go wrong, and a client uses their right to protection.” (UK task statement)
How this row was scored
Exposure score: 31 out of 100 (24–38 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Software can assemble the file, but cooperating with an ombudsman investigation is a duty on the firm and its people.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Resolving complaints and verifying financial and crediting transactions by consulting with customers
staying human
The rules require a named, qualified person to answer for complaints, and that person cannot be a piece of software.
importance 70 · 2422/01
Source: “Resolve complaints and verify financial and credit transactions by consulting with customers.” (UK task statement)
How this row was scored
Exposure score: 30 out of 100 (23–37 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Sorting out a complaint means listening to an unhappy customer, and the rules expect a trained person handling it.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Interviewing clients to determine clients' assets
staying human
The rules require a named, qualified person to answer for clients, and that person cannot be a piece of software.
importance 70 · 2422/02
Source: “Interview clients to determine clients' assets, liabilities, cash flow, insurance coverage, tax status, or financial objectives.” (UK task statement)
How this row was scored
Exposure score: 30 out of 100 (23–37 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Online fact-finds capture much of this, but a regulated adviser must satisfy themselves they truly understand the customer's circumstances.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Communicating with businesses, investors and the public to facilitate operations
staying human
The rules require a named, qualified person to answer for businesses, investors and the public, and that person cannot be a piece of software.
importance 60 · 2422/02
Source: “Communicate with businesses, investors, and the public to facilitate operations.” (UK task statement)
How this row was scored
Exposure score: 30 out of 100 (23–37 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Drafts come easily, but anything said to investors or the public must be approved by an authorised person before it goes out.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Resolving mortgage application problems in consultation with underwriters
staying human
The rules require a named, qualified person to answer for mortgage application problems, and that person cannot be a piece of software.
importance 70 · 2422/04
Source: “Resolve mortgage application problems in consultation with underwriters.” (UK task statement)
How this row was scored
Exposure score: 30 out of 100 (23–37 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Unpicking a stuck application means negotiating with an underwriter about a case that does not fit the rules.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Setting credit policies, credit lines, procedures and standards in conjunction with senior managers
staying human
The rules require a named, qualified person to answer for credit policies, credit lines, procedures and standards, and that person cannot be a piece of software.
importance 60 · 2422/04
Source: “Set credit policies, credit lines, procedures and standards in conjunction with senior managers.” (UK task statement)
How this row was scored
Exposure score: 30 out of 100 (23–37 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Setting credit policy is a judgement call agreed between senior people about how much risk the firm will take.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Speaking with customers to organise repayments
staying human
The rules require a named, qualified person to answer for customers, and that person cannot be a piece of software.
importance 60 · 2422/04
Source: “Speak with customers to organise repayments.” (UK task statement)
How this row was scored
Exposure score: 30 out of 100 (23–37 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Agreeing repayments with someone in difficulty needs a trained person who can judge how they are coping.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Calling customers to collect payment on overdue accounts
staying human
The rules require a named, qualified person to answer for customers, and that person cannot be a piece of software.
importance 70 · 2422/01
Source: “Call customers to collect payment on overdue accounts.” (UK task statement)
How this row was scored
Exposure score: 26 out of 100 (19–33 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Chasing payment means a real conversation with someone who may be struggling, and the rules expect trained staff.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 2/4.
Advising clients on aspects of capitalisation
staying human
The rules require a named, qualified person to answer for clients, and that person cannot be a piece of software.
importance 80 · 2422/03
Source: “Advise clients on aspects of capitalisation, such as amounts, sources, or timing.” (UK task statement)
How this row was scored
Exposure score: 26 out of 100 (19–33 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Options and numbers can be modelled quickly, but recommending how a company raises money is judgement an authorised adviser signs off.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 2/4.
Restructuring refinance or raise new debt with clients
staying human
The rules require a named, qualified person to answer for refinance, and that person cannot be a piece of software.
importance 70 · 2422/03
Source: “Restructure, refinance, or raise new debt with clients.” (UK task statement)
How this row was scored
Exposure score: 26 out of 100 (19–33 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Terms can be modelled and compared quickly, but arranging finance involves negotiation and, for regulated lending, an authorised firm.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 2/4 · how much data exists 2/4.
Preparing plans of action for investment using financial analyses
staying human
The rules require a named, qualified person to answer for plans of action, and that person cannot be a piece of software.
importance 70 · 2422/03
Source: “Prepare plans of action for investment using financial analyses.” (UK task statement)
How this row was scored
Exposure score: 25 out of 100 (21–29 allowing for uncertainty): low exposure, high confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Modelling and drafting come easily, but an investment plan for a customer must be made by an authorised, qualified adviser.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Specialising in green financial instruments
staying human
The rules require a named, qualified person to answer for green financial instruments, and that person cannot be a piece of software.
importance 60 · 2422/03
Source: “Specialise in green financial instruments, including socially responsible mutual funds and ETFs of green companies.” (UK task statement)
How this row was scored
Exposure score: 25 out of 100 (18–32 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Fund data and green criteria are published, but recommending these products to customers is restricted to authorised, qualified advisers.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Adhering to all relevant laws
staying human
The rules require a named, qualified person to answer for all relevant laws, and that person cannot be a piece of software.
importance 60 · 2422/04
Source: “Adhere to all relevant laws, regulations, and organisational procedures.” (UK task statement)
How this row was scored
Exposure score: 25 out of 100 (18–32 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: Following the rules is a personal responsibility held by an authorised individual, not a document to be produced.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 0/4 · how much data exists 3/4.
Negotiating contracts with customers and suppliers for financial services
staying human
The value here is that a specific person handles contracts and stands behind it. That is earned, not computed.
importance 60 · 2422/02
Source: “Negotiate contracts with customers and suppliers for financial services.” (UK task statement)
How this row was scored
Exposure score: 24 out of 100 (17–31 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Negotiating terms turns on the relationship and what each side will concede live, not on drafting.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Negotiating with providers of financial products
staying human
The value here is that a specific person handles providers of financial products and stands behind it. That is earned, not computed.
importance 60 · 2422/02
Source: “Negotiate with providers of financial products.” (UK task statement)
How this row was scored
Exposure score: 24 out of 100 (17–31 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Getting a better deal from a provider depends on a live relationship and bargaining position.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Resolving customer complaints about financial advice
staying human
The rules require a named, qualified person to answer for customer complaints, and that person cannot be a piece of software.
importance 60 · 2422/02
Source: “Resolve customer complaints about financial advice.” (UK task statement)
How this row was scored
Exposure score: 24 out of 100 (17–31 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: A complaint about advice needs a trained person to weigh it and rebuild the client's confidence.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 3/4 · how much data exists 3/4.
Advising on property valuation and land purchase
staying human
The rules require a named, qualified person to answer for property valuation, and that person cannot be a piece of software.
importance 60 · 2422/04
Source: “Advise on property valuation and land purchase.” (UK task statement)
How this row was scored
Exposure score: 24 out of 100 (17–31 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it.
The rating behind it: Valuing property properly usually means seeing the site, and the judgement carries a qualified valuer's name.
The five ratings: output a model can produce 2/4 · needs a body in a room 1/4 · needs an accountable person 2/4 · needs to be trusted in the moment 1/4 · how much data exists 2/4.
Achieving performance and sales targets by implementing effective strategies
staying human
The value here is that a specific person handles performance and stands behind it. That is earned, not computed.
importance 70 · 2422/02, 2422/04
Source: “Achieve performance and sales targets by implementing effective strategies.” (UK task statement)
How this row was scored
Exposure score: 23 out of 100 (16–30 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Software can suggest tactics and track numbers, but hitting targets means winning over real customers, which still rests on the adviser.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 0/4 · needs to be trusted in the moment 2/4 · how much data exists 2/4.
Providing financial advisory services to businesses experiencing financial difficulties
staying human
The rules require a named, qualified person to answer for financial advisory services, and that person cannot be a piece of software.
importance 80 · 2422/03
Source: “Provide financial advisory services to businesses experiencing financial difficulties.” (UK task statement)
How this row was scored
Exposure score: 21 out of 100 (14–28 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Options can be analysed quickly, but a business in trouble needs a trusted adviser, and formal insolvency steps require a licensed practitioner.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Training junior members of staff to enhance their skills and performance
staying human
The value here is that a specific person handles junior members of staff and stands behind it. That is earned, not computed.
importance 60 · 2422/03
Source: “Train junior members of staff to enhance their skills and performance.” (UK task statement)
How this row was scored
Exposure score: 21 out of 100 (14–28 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; the value is that a specific person does it.
The rating behind it: Training material is easy to produce, but bringing a junior colleague on happens through coaching and feedback from someone they work with.
The five ratings: output a model can produce 2/4 · needs a body in a room 1/4 · needs an accountable person 1/4 · needs to be trusted in the moment 3/4 · how much data exists 3/4.
Ensuring impartial and appropriate financial advice is given
staying human
The rules require a named, qualified person to answer for impartial, and that person cannot be a piece of software.
importance 70 · 2422/04
Source: “Ensure impartial and appropriate financial advice is given.” (UK task statement)
How this row was scored
Exposure score: 21 out of 100 (14–28 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it.
The rating behind it: This is a duty a regulated person carries personally, not a piece of work that can be produced.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 1/4 · how much data exists 3/4.
Achieving specified performance targets
staying human
The value here is that a specific person handles specified performance targets and stands behind it. That is earned, not computed.
importance 70 · 2422/02
Source: “Achieve specified performance targets.” (UK task statement)
How this row was scored
Exposure score: 20 out of 100 (13–27 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Hitting a target is something the person does through their own work and relationships, not an output software produces.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 2/4.
Conducting investment appraisals and providing tailored investment advice to clients
staying human
The rules require a named, qualified person to answer for investment appraisals, and that person cannot be a piece of software.
importance 80 · 2422/03
Source: “Conduct investment appraisals and provide tailored investment advice to clients.” (UK task statement)
How this row was scored
Exposure score: 20 out of 100 (16–24 allowing for uncertainty): low exposure, high confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Appraisal maths is easy to automate, but only an authorised, qualified adviser may give a customer tailored investment advice.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 3/4 · how much data exists 3/4.
Developing and presenting financial solutions to clients based on modelling results
staying human
The rules require a named, qualified person to answer for financial solutions, and that person cannot be a piece of software.
importance 70 · 2422/03
Source: “Develop and present financial solutions to clients based on modelling results.” (UK task statement)
How this row was scored
Exposure score: 20 out of 100 (16–24 allowing for uncertainty): low exposure, high confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Models and slides can be produced quickly, but recommending a solution to a customer is restricted to an authorised, qualified adviser.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 3/4 · how much data exists 3/4.
Achieving sales targets
staying human
The value here is that a specific person handles sales targets and stands behind it. That is earned, not computed.
importance 70 · 2422/04
Source: “Achieve sales targets.” (UK task statement)
How this row was scored
Exposure score: 20 out of 100 (13–27 allowing for uncertainty): low exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Software can find leads and track progress, but hitting a sales target means real customers choosing to buy.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 2/4.
Assessing companies as investments for clients by examining company facilities
staying human
This work happens in the physical world: companies, in a real place. Software cannot follow it there.
importance 80 · 2422/03
Source: “Assess companies as investments for clients by examining company facilities.” (UK task statement)
How this row was scored
Exposure score: 19 out of 100 (12–26 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: work that happens in the physical world; someone qualified has to answer for it.
The rating behind it: Financial analysis is easy to automate, but forming a view by walking round a company's own sites means going there.
The five ratings: output a model can produce 2/4 · needs a body in a room 2/4 · needs an accountable person 2/4 · needs to be trusted in the moment 0/4 · how much data exists 2/4.
Conducting seminars on financial planning topics
staying human
This work happens in the physical world: seminars, in a real place. Software cannot follow it there.
importance 70 · 2422/02
Source: “Conduct seminars on financial planning topics including retirement and estate planning.” (UK task statement)
How this row was scored
Exposure score: 18 out of 100 (11–25 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; work that happens in the physical world; the value is that a specific person does it.
The rating behind it: Software can prepare the seminar material, but running a room full of people is done in person.
The five ratings: output a model can produce 2/4 · needs a body in a room 2/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Supervising loan personnel to ensure adherence to financial regulations
staying human
The rules require a named, qualified person to answer for loan personnel, and that person cannot be a piece of software.
importance 60 · 2422/04
Source: “Supervise loan personnel to ensure adherence to financial regulations.” (UK task statement)
How this row was scored
Exposure score: 18 out of 100 (11–25 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: the same decision, made over and over; someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Supervising staff and answering for their compliance is a personal responsibility held by a named individual.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 2/4 · how much data exists 3/4.
Providing advice to a variety of clients
staying human
The rules require a named, qualified person to answer for advice, and that person cannot be a piece of software.
importance 80 · 2422/02
Source: “Provide advice to a variety of clients.” (UK task statement)
How this row was scored
Exposure score: 17 out of 100 (10–24 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Giving financial advice in the UK is a regulated act, and clients rely on trust in the adviser.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Advising clients on resolving their financial issues
staying human
The rules require a named, qualified person to answer for clients, and that person cannot be a piece of software.
importance 70 · 2422/04
Source: “Advise clients on resolving their financial issues.” (UK task statement)
How this row was scored
Exposure score: 17 out of 100 (13–21 allowing for uncertainty): minimal exposure, high confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Giving a customer a personal financial recommendation is work the regulator only lets an authorised, qualified adviser do, and it rests on trust.
The five ratings: output a model can produce 2/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Maintaining relationships with existing clients to ensure continued service
staying human
The value here is that a specific person handles relationships and stands behind it. That is earned, not computed.
importance 70 · 2422/02, 2422/03
Source: “Maintain relationships with existing clients to ensure continued service.” (UK task statement)
How this row was scored
Exposure score: 16 out of 100 (9–23 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Reminders and updates can be automated, but clients stay because of the personal relationship with their adviser.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Collaborating with investment bankers to attract new corporate clients
staying human
The value here is that a specific person handles investment bankers and stands behind it. That is earned, not computed.
importance 70 · 2422/03
Source: “Collaborate with investment bankers to attract new corporate clients.” (UK task statement)
How this row was scored
Exposure score: 16 out of 100 (9–23 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Research and pitch material can be prepared, but winning corporate clients runs on personal relationships between bankers and advisers.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 1/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Conducting workshops on evaluating redundancy packages
staying human
This work happens in the physical world: workshops, in a real place. Software cannot follow it there.
importance 60 · 2422/02
Source: “Conduct workshops on evaluating redundancy packages.” (UK task statement)
How this row was scored
Exposure score: 15 out of 100 (8–22 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: work that happens in the physical world; the value is that a specific person does it.
The rating behind it: Software can build the workshop content, but running the session with worried people in the room needs a person.
The five ratings: output a model can produce 2/4 · needs a body in a room 2/4 · needs an accountable person 1/4 · needs to be trusted in the moment 2/4 · how much data exists 2/4.
Supervising the work of junior staff to ensure quality and efficiency
staying human
The rules require a named, qualified person to answer for the work of junior staff, and that person cannot be a piece of software.
importance 60 · 2422/03
Source: “Supervise the work of junior staff to ensure quality and efficiency.” (UK task statement)
How this row was scored
Exposure score: 13 out of 100 (6–20 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Checklists help, but overseeing junior colleagues' work is a supervisory duty the firm must place with a suitably qualified person.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 2/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Selling specific financial products to meet sales targets
staying human
The rules require a named, qualified person to answer for specific financial products, and that person cannot be a piece of software.
importance 70 · 2422/02, 2422/04
Source: “Sell specific financial products to meet sales targets.” (UK task statement)
How this row was scored
Exposure score: 11 out of 100 (4–18 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Selling a regulated product depends on a client trusting an authorised person, not on producing a document.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Selling life insurance policies to clients
staying human
The rules require a named, qualified person to answer for life insurance policies, and that person cannot be a piece of software.
importance 50 · 2422/04
Source: “Sell life insurance policies to clients.” (UK task statement)
How this row was scored
Exposure score: 11 out of 100 (4–18 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: someone qualified has to answer for it; the value is that a specific person does it.
The rating behind it: Selling life cover depends on a client trusting an authorised person with a very personal decision.
The five ratings: output a model can produce 1/4 · needs a body in a room 0/4 · needs an accountable person 3/4 · needs to be trusted in the moment 3/4 · how much data exists 2/4.
Developing networks of solicitors, mortgage lenders and contractors for client referrals
staying human
The value here is that a specific person handles networks of solicitors, mortgage lenders and contractors and stands behind it. That is earned, not computed.
importance 70 · 2422/04
Source: “Develop networks of solicitors, mortgage lenders, and contractors for client referrals.” (UK task statement)
How this row was scored
Exposure score: 10 out of 100 (3–17 allowing for uncertainty): minimal exposure, medium confidence.
Why it sits in this group: the value is that a specific person does it.
The rating behind it: Referral networks are built on personal trust between professionals over time, which cannot be produced as a document.
The five ratings: output a model can produce 1/4 · needs a body in a room 1/4 · needs an accountable person 0/4 · needs to be trusted in the moment 3/4 · how much data exists 1/4.

What this job pays, and how many people do it

Median pay: £50,300a year, before tax, the middle of the range, so half earn more and half earn less.ashe-t14, 2025 · ASHE 2025 provisional (reference April 2025)Provisional, because the ONS revises this figure in the autumn.
How we know this
Source: ashe-t14
Reference period: ASHE 2025 provisional (reference April 2025)
Rounding: Shown to the nearest £100. The exact published figure is in the downloadable dataset. We do not render pounds the survey cannot support.
People doing this job: 268,700in the UK, 2026.nomis-aps · Apr 2025-Mar 2026 (latest APS 12-month period)This headcount comes from a survey, not a census, so treat it as a good estimate rather than an exact count.

What is deliberately not here: a forecast of how many of these jobs exist in ten years. Where an official projection exists for a market we publish it with its vintage; where it does not, we leave the space empty rather than borrow the other country’s number.

Why this is shifting

The reason is boringly specific. Most of what is shifting here is reading one thing and writing another: loan applications in, a record out. The rows above are exactly that shape: completing loan applications and crediting analyses and reviewing customer files to identify and select overdue accounts. What it cannot do is be trusted in person, which is what new business opportunities run on: someone specific doing it and standing behind it. Which is why this page talks about your tasks changing, not your job ending.

Your move

Over a pint: what I’d tell you if you were my friend

Your week is splitting in two, and which half fills it is the whole question. Completing loan applications and crediting analyses is going; developing new business opportunities to enhance investment portfolios and client base is not.

So, given all that: 42% of this job's task weight sits in rows the software is already learning, 19% in rows that change shape rather than disappear, and 38% in rows it is nowhere near. That is the position, measured across 155 scored tasks. It is not a forecast about you.

The occupation is an average and you are not, so the first job below is finding out where your own week actually sits.

This week: one thing

Print the task ledger above and put your own hours next to each row. Roughly, in pen, in one sitting. Then look at which group your hours actually pile up in. Twenty minutes, this week.

What you end up holding: your own week, on one page, sorted into what is shifting and what is not
How long it takes: about twenty minutes

If printing it isn’t practical: Read the rows off this page and write the same list on the back of an envelope. Same twenty minutes, same page, and it works just as well said out loud to someone who knows the job. The point is your hours next to the rows, not the paper it is on.

Over the next 90 days

Volunteer toward the durable end, visibly. Over the next ninety days put your hand up for the work in the bottom group (developing new business opportunities to enhance investment portfolios and client base) and let people see you doing it. Not a new project: the same job, with your mix deliberately tilted. The point is that when the rota or the reorganisation comes, the version of you people picture is the one doing the part that stays.

Over the next 12 months

Claim a specialism at the durable end and let the other end go. Over a year, deliberately become the person who handles developing new business opportunities to enhance investment portfolios and client base, and deliberately stop being the first choice for the rows in the top group. That trade costs something, because the exposed work is often the comfortable work. Decide it on purpose rather than by drift. Before you pay for anything, spend an hour with National Careers Service. It is free and government-funded, and it is listed below with the rest of the free routes.

The roads out of here, and why I am not sending you down them

I looked at the obvious moves out of this job, and here is what I found.

I checked the 12 nearest UK occupations to finance and investment analysts and advisers (nearest by the work that AI is not taking, not by job title), and none of them survived. The closest was brokers: only about 11% of its durable work is work you already do. Your own job splits about 42/58: that share of the list sits in the top exposure band and the rest does not. On this evidence the honest move is inside the job rather than out of it. Become the person who owns “submit loan applications with recommendation for underwriting approval”, and let the exposed end go.

How that was checked: this job was compared against all 412 UK occupations in this release on their official task statements, and the 12 nearest were examined one by one. A move that turns on an industry, an employer or a qualification rather than on the work itself will not show up in a check like that. And this release carries no licence register, so anything you are weighing needs that looked up separately.

3 moves I checked and rejected

These are the obvious-looking jumps. They are here with their reasons rather than quietly dropped, because the ones that fail are worth knowing about. It is one less thing to turn over at night.

Brokers
Why it looked obvious: It came up as a near neighbour because one of your tasks is on their list in the same words: “discuss financial situations and planning with clients”. Across the whole of both lists that adds up to about 11% of the work in that job the software is not taking.
Why I am not recommending it: You would be starting most of it from nothing: about 11% of the durable work in that job is work you do today, and the rest you would be learning while the bills carried on.
Look at that job’s page anyway →
Financial managers and directors
Why it looked obvious: It came up as a near neighbour because one of your tasks is on their list in the same words: “assess companies as investments for clients by examining company facilities”. Across the whole of both lists that adds up to about 11% of the work in that job the software is not taking.
Why I am not recommending it: You would be starting most of it from nothing: about 11% of the durable work in that job is work you do today, and the rest you would be learning while the bills carried on.
Look at that job’s page anyway →
Financial accounts managers
Why it looked obvious: It came up as a near neighbour because one of your tasks is on their list in the same words: “call customers to collect payment on overdue accounts”. Across the whole of both lists that adds up to about 9% of the work in that job the software is not taking.
Why I am not recommending it: Almost none of it is work you already do: about 9% of the durable side of that job. That is a different job, not a next step.
Look at that job’s page anyway →

What I’d stop worrying about

A friend tells you what not to spend fear on. This is that list.

The headline number you read somewhere
The big “X% of jobs” figures are about the whole economy, not about you. The number that describes your job is on this page: 42% of its task weight, across 155 scored tasks. Every row behind it is printed above with the source. Check ours; ignore theirs.
The whole-job doom story
Nothing on this page says this job ends. It says the mix inside it moves. Half the rows above are unchanged or changing shape, and the plan is about which half your week sits in. That is a very different problem, and a solvable one.
Panic-buying a course
Do the twenty-minute sorting exercise first. Most people who buy a course before they have done it buy the wrong one, and the free services listed below will tell you the same thing without charging for it.
The “obvious” next job everyone suggests
I checked the obvious moves and most of them did not survive. The reasons are printed with the routes above, including the pay and the gate. A move that fails on the numbers is worth knowing about so you can stop turning it over at night.

You are reading the United Kingdom figures

The United States splits this work across more than one official group, of which Credit Analysts is the closest. The pay and employment figures are not directly comparable, and we do not average them together.

Switch to the United States page →partial match

The other groups this work is counted across:

In US official statistics this job is counted as Credit Analysts, Financial and Investment Analysts, Personal Financial Advisors, Financial Risk Specialists and Financial Examiners. Pay is shown separately for each of those groups (medians cannot be averaged together), while the task list and the scores on this page are for this group only.

Your route through this

Two honest options, and no deadline on either

Free, and complete

The moves above cost nothing. These are the real services that go with them: public, government-funded, and free at the point of use. Nothing on this page is behind an email address or a payment.

In England:
National Careers Service
A free hour with a government-funded careers adviser is worth more than another evening of reading. In England that's the National Careers Service.
Free, government-funded
- Discover your skills and careers (the skills assessment)
In England:
National Careers Service - Find a course
Search what's actually running near you before you spend anything.
Free to search; individual courses vary
In England:
Free courses for jobs (Level 3 qualifications)
A free Level 3 qualification you already qualify for beats a paid course you don't need.
Free for eligible adults
In England:
Skills Bootcamps
Free, up to 16 weeks, and you get a job interview at the end. In England these are Skills Bootcamps - search what's running near you.
Free for eligible adults in England
- Skills Bootcamps - what they are and who can do them (DfE, Skills for Careers)
- Skills Bootcamps - JobHelp (DWP)
In Scotland:
My World of Work (Skills Development Scotland)
In Scotland it's My World of Work, from Skills Development Scotland.
Free, publicly funded
- Skills Development Scotland
In Wales:
Careers Wales
In Wales it's Careers Wales.
Free, Welsh Government-funded
In Northern Ireland:
Careers Service Northern Ireland
In Northern Ireland it's the Careers Service on nidirect.
Free, Department for the Economy-funded

A nearby route

There's no Space built for finance analysts yet.

Collab365 Spaces is built by the same people as this site. We find the problems that AI and automation are creating inside one kind of work, then solve them as short courses, briefings and Blueprints. Each Space is the community too, so the research and the people doing your job are in the same place.

What a Space actually is, in full

The closest match is Microsoft 365 Report Builders - it's built for people making the Microsoft reporting stack behave: clean data, defined metrics, refreshes that don't break. That's the model-and-report half of your week. It does not cover valuation, markets or regulated advice, which is most of the rest of it.

Try Microsoft 365 Report Builders free →

7 days free, no card needed. Explore up to 2 Spaces before you choose a plan: you pick a plan later, not now.

After the trial it is a paid community, and you get identical data either way. If the overlap above is not your job, the moves above cost nothing and stand on their own.

Noted, and thank you. We’ll email you if a Space for finance and investment analyst launches. Nothing else.

That did not look like an email address, so nothing was saved. Have another go below.

We could not save that. The fault is ours, not yours, and your address was not stored. Please try again later.

No deadline on any of this. The page will still be here, and the data is refreshed on a published schedule rather than when someone wants a headline.

Questions people ask about this job

Will AI replace Finance and investment analysts and advisers?: Not as a job, but it is already doing parts of the work. Across the 155 official task statements scored for Finance and investment analysts and advisers (United Kingdom, SOC 2422), 42% of the importance-weighted core work is made of tasks today's AI could already do most of. The overall exposure score is 52 out of 100 (range 46–58, band: partial). That is a statement about tasks, not about headcount: this measures what AI could do, not whether any employer adopts it, whether the law allows it, or whether doing the routine parts faster creates more demand for the human parts. Figures are from release 2026-q4.1.
Which tasks in “Finance and investment analysts and advisers” can AI already do?: The highest-scoring tasks in release 2026-q4.1 are: “Use specialist computer software to present spreadsheets and graphs” (100/100, very high); “Use computer systems to access customer information and update account details” (93/100, very high); “Review and verify the accuracy of billing statements and invoices” (93/100, very high). Each score comes from five published 0–4 ratings turned into a number by a published formula, and each carries the model's one-sentence reason on the page.
Which tasks in “Finance and investment analysts and advisers” stay human?: About 38% of this job's task weight sits in work that scores low for AI exposure. The lowest-scoring tasks in release 2026-q4.1 are: “Develop networks of solicitors, mortgage lenders, and contractors for client referrals” (10/100, minimal); “Sell life insurance policies to clients” (11/100, minimal); “Sell specific financial products to meet sales targets” (11/100, minimal). Low scores usually mean the task needs a body in a room, a legally accountable human, or trust built in real time. Those are the three things the scoring rubric treats as gates rather than obstacles.
What should someone working in “Finance and investment analysts and advisers” do about AI?: Start from the ledger rather than the headline: 42% of this job's weighted core work is exposed, and roughly 38% is not. The practical move is to spend more of your week on the tasks that score low, the ones above, and to get fluent at directing AI through the tasks that score high, because those are the parts that change whether or not you are ready for them. This page does not predict your job, and nothing here is career advice tailored to you: the score describes the occupation, not the person.
How is the AI exposure score for Finance and investment analysts and advisers calculated?: Each official task statement for the occupation is rated on five published 0–4 dimensions (output replicability, physical embodiment, licensed accountability, real-time human trust, and data availability) by claude-opus-5 using scoring prompt task_scoring_v1.0. The model never writes the score; a published formula turns the five ratings into a 0–100 number, so every score can be recomputed by hand. The occupation figure is the importance-weighted mean across 155 scored tasks. The prompt, the rubric, the formula and the full dataset are published at https://futureproof.collab365.com/method and https://futureproof.collab365.com/data/2026-q4.1 under CC BY 4.0.

Where these numbers come from

About the data on this page

Provisional, because the ONS revises this figure in the autumn.
This headcount comes from a survey, not a census, so treat it as a good estimate rather than an exact count.
The match between this job and its counterpart in the other country is partial, so the two pages count slightly different groups of people.
3 of this occupation's scored task statements carry a score that was measured under a different occupation's context, because the statement is shared between jobs and has only been scored once so far. Each one names the occupation it was measured under in the free routes below; none is presented as a measurement for this job.
Task clusters are not derived in this release, so the task-cluster field is empty and no Collab365 Space routing is attached to this occupation yet.

Task statements: gaisi-indexProcessing: catalogue-bridge → ssc-relatedness-weighting → task-scoring → score-aggregation
Task weights: gaisi-index (relatedness)
Scores: Rubric task_scoring_v1.0, model claude-opus-5, computed 2026-08-05.
Pay and employment: ashe-t14 (ASHE 2025 provisional (reference April 2025))nomis-aps (Apr 2025-Mar 2026 (latest APS 12-month period))

Figures on this page come from release 2026-q4.1, published 2026-08-05. Every release keeps its own permanent address, so a figure you cite in March is still there, unchanged, in November.

The plain-English wording on this page is assembled directly from the task statements and the published ratings, not written by hand for this occupation. That is why it is specific, and it is also why we say so.

The routes and free resources further up are today’s, not the release’s (last reviewed 2026-08-05). A route is an offer, not a historical fact, so it moves on its own clock.

How we score a job Download this release Look up another job

Using these figures?

Cite this

Everything on this site is published under CC BY 4.0. Quote it, chart it, sell something built on it. Just say where it came from, and cite the dated release rather than the site, so the figure you quote stays checkable.

Plain text

Collab365 (2026). Collab365 Futureproof: task-level AI exposure for US and UK occupations, release 2026-q4.1 (methodVersion 2.0.0, promptVersion task_scoring_v1.0). https://futureproof.collab365.com/data/2026-q4.1. Licensed CC BY 4.0. Built with O*NET data (USDOL/ETA, CC BY 4.0); ONS data (Open Government Licence v3.0); GAISI task framework (arXiv:2507.22748, MIT); BLS data (public domain).

BibTeX

@misc{collab365futureproof2026q41,
  title        = {Collab365 Futureproof: task-level AI exposure for US and UK occupations, release 2026-q4.1},
  author       = {{Collab365}},
  year         = {2026},
  url          = {https://futureproof.collab365.com/data/2026-q4.1},
  note         = {Release 2026-q4.1, methodVersion 2.0.0, promptVersion task_scoring_v1.0, CC BY 4.0}
}

Permalink

https://futureproof.collab365.com/data/2026-q4.1

Data as of release 2026-q4.1, published 2026-08-05. Releases never change after publication; when the figures move, a new dated release is published beside this one and this one stays exactly where it is.