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Experienced Bank Examiner Careers

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Do you have five to 15 years experience working in a bank, financial services industry, or regulatory agency? Have you established an area of expertise in the banking arena? Then leverage your experience by considering a position as an OCC bank examiner specializing in one of the following areas:

  • Asset management
  • Bank information technology
  • Bank Secrecy Act/Anti-Money Laundering
  • International banking
  • Capital markets
  • Compliance
  • Credit
  • Retail credit

Some experienced bank examiners are stationed in the OCC's Washington, D.C., office, where they act as liaisons with other financial regulatory agencies and serve as expert contributors to agency policies, procedures, speeches, and testimony. Most experienced bank examiners work in cities where large national banks are headquartered. These examiners work full-time on the premises of large banks because of the need to interact frequently with bank personnel who are experts in their business fields.

More About Bank Examiner Specialty Areas

Asset Management
Asset management specialists must be familiar with such activities as traditional trust services, retail brokerage, private banking, securities lending, investment advisory and management services, investment company services, custody and security-holder services, and insurance activities.

Specialists in this area must also know pertinent laws and regulations, including applicable state and national banking laws and regulations, the Employee Retirement Income Security Act of 1974, Securities and Exchange Commission regulations and rulings, and the Internal Revenue Code.

Bank Information Technology
Examiners specializing in bank information technology must stay on top of trends that relate to bank operations and information systems management. These examiners analyze and synthesize volumes of technical data and make formal presentations on technical material. They ensure that risks are appropriately identified, measured, monitored, and controlled for all areas of bank operations.

Bank Secrecy Act/Anti-Money Laundering
As an OCC Bank Examiner with Bank Secrecy Act/Anti-Money Laundering (BSA/AML) expertise, you will participate in bank exams at national banks and thrifts. In this mission critical role, you will ensure that banks comply with regulations connected to the USA Patriot Act, Bank Secrecy Act, Office of Foreign Assets Control (OFAC) and money laundering. As a key contributor to the Bank Examination team, you will use a risk based approach to develop supervisory strategies/programs to monitor progress for banks including plans to effectively implement corrective action. You will evaluate the control and management of the risks inherent in an institution's BSA/AML activities and assess their overall condition. In addition, you will participate in discussions with bank management on findings/recommendations, and prepare communications to foster positive changes with the bank while ensuring appropriate follow-up by the OCC.

International examiners travel to foreign countries and interact with foreign supervisors. They must have advanced technical, analytical, and communication skills and are required to provide strong leadership in implementing complex international policy initiatives.

Capital Markets
Capital markets examiners oversee risks and management-control processes across an array of financial products and activities, including such traditional asset/liability management areas as interest rate risk, investments, and liquidity.

The goal of capital markets examiners is to ensure that risks are appropriately identified, measured, monitored, and controlled. When weaknesses are identified, the examiners propose recommendations and work to ensure that management takes corrective action.

Compliance examiners apply audit techniques to determine how well financial institutions comply with appropriate laws and regulations. They look for patterns or irregularities that require further review to determine the need for controls over suspicious monetary activity, indicate the possibility of discriminatory or predatory lending practices, and determine the level of Community Reinvestment Act performance.

Whatever their areas of inquiry, compliance examiners are focused on protecting consumers, often advising banks on ways to better serve the public. Compliance examiners also represent the OCC in bankers' forums and with community groups.

Examiners in credit positions evaluate the adequacy of major credit processes, such as loan origination and underwriting; portfolio management activities, including loan sales, syndications, and credit derivative strategies; allowances for loan and lease losses; and loan review and remediation. They also analyze loan portfolios.

Credit examiners identify specific risk concerns, make recommendations to senior management for controlling high risks, and monitor the implementation of corrective action. The job of these examiners involves writing conclusion reports, formal supervisory strategies, and quarterly risk assessments.

Retail Credit
The field of retail credit blends traditional credit sense with sophisticated models that replicate the five C's of credit: character, capacity, capital, collateral, and conditions.

The OCC deploys specialist-trained and generalist examiners in this field and helps develop a strong stable of retail credit examiners through external training as well as internal training, mentoring, and developmental assignments.