# New Accounts Clerks

> Interview persons desiring to open accounts in financial institutions. Explain account services available to prospective customers and assist them in preparing applications.

- **SOC code:** 43-4141.00
- **Canonical URL:** https://singulariki.com/roles/role-43-4141-00
- **Also known as:** Financial Services Representative, Member Service Representative, New Accounts Representative, Personal Banker, Banking Services Representative, Customer Service Specialist, Financial Service Representative, New Accounts Clerk
- **Frame:** "AI exposure" means task overlap (how codifiable the work is), not jobs lost or a forecast. Every figure below is traced to a named public dataset.

## What this work is

**Core tasks** (O*NET):
- Perform teller duties as required.
- Process loan applications.
- Compile information about new accounts, enter account information into computers, and file related forms or other documents.
- Collect and record customer deposits and fees and issue receipts, using computers.
- Inform customers of procedures for applying for services, such as ATM cards, direct deposit of checks, and certificates of deposit.
- Answer customers' questions and explain available services, such as deposit accounts, bonds, and securities.
- Obtain credit records from reporting agencies.
- Interview customers to obtain information needed for opening accounts or renting safe-deposit boxes.
- Refer customers to appropriate bank personnel to meet their financial needs.
- Investigate and correct errors upon customers' request, according to customer and bank records.
- Execute wire transfers of funds.
- Issue initial and replacement safe-deposit keys to customers, and admit customers to vaults.

## Skills, tools, capabilities

**Knowledge, skills & abilities** (O*NET, highest importance first):
- Customer and Personal Service _(knowledge)_
- Sales and Marketing _(knowledge)_
- Administrative _(knowledge)_
- Active Listening _(essential_skill)_
- Speaking _(essential_skill)_
- Oral Comprehension _(ability)_
- Oral Expression _(ability)_
- English Language _(knowledge)_
- Written Comprehension _(ability)_
- Near Vision _(ability)_
- Speech Recognition _(ability)_
- Speech Clarity _(ability)_

**Skills in demand:**
- Active Listening _(Common Skill)_
- English Language _(Common Skill)_
- Speech Recognition _(Specialized Skill)_
- Reading Comprehension _(Common Skill)_
- Microsoft Excel _(Common Skill)_
- Mathematics _(Common Skill)_
- Social Perceptiveness _(Common Skill)_
- Deductive Reasoning _(Common Skill)_
- Information Ordering _(Specialized Skill)_
- Inductive Reasoning _(Common Skill)_
- Critical Thinking _(Common Skill)_
- Writing _(Common Skill)_

**Tools & technology:**
- Microsoft Excel _(hot technology, in demand)_
- Microsoft Office software _(hot technology, in demand)_
- Microsoft PowerPoint _(hot technology)_
- Microsoft SharePoint _(hot technology)_
- Microsoft Word _(hot technology)_
- Corporate Information Factory CIF
- DCI iCore
- Email software
- Financial needs analysis software
- Fiserv financial services software
- Harland Financial Solutions DepositPro
- IBM Lotus Notes

## AI exposure & outlook

- **AI task-overlap index:** 83rd percentile (High) across all occupations — composite of current-era exposure studies (ai-exposure-index-v1).
- **Overall AI exposure (Felten et al.):** 82nd percentile (High) — source: felten_aioe.
- **LLM task exposure, γ (OpenAI / Eloundou):** 70th percentile (High) — source: eloundou_gamma.
- **AI assistant applicability (Microsoft):** 89th percentile (High) — source: microsoft_applicability.
- **Frey–Osborne (2013, historical computerization estimate):** 99th percentile — kept separate from current-era studies.
- **Remote-capable (Dingel–Neiman):** no — task structure, not who actually works remote.
- **Projected employment (BLS 2024–34):** -13.2% growth (Declining); 2.3k annual openings; 38.9k → 33.8k jobs.
- **Pay & employment (BLS OEWS, May 2024):** median $46,610; 38,030 employed.

## How people actually use AI here

Anthropic Economic Index — measured AI conversations mapped to this occupation's tasks:

- **Automation vs augmentation:** 34% automation, 42% augmentation (usage-weighted).
- **Autonomy median:** 3.0 (higher = AI acts more independently).
- **Dominant collaboration mode:** learning.

**Tasks most handed to AI here:**
- Answer customers' questions, and explain available services such as deposit accounts, bonds, and securities. _(0.6% of measured AI use; learning)_

**Example prompts (honest phrasings of the tasks above — starting points, not endorsed instructions):**
- Help me answer customers' questions, and explain available services such as deposit accounts, bonds, and securities.

## Sources

- **O*NET** (30.3) — U.S. Department of Labor / National Center for O*NET Development. https://www.onetcenter.org/database.html
- **BLS Occupational Employment and Wage Statistics (OEWS)** (May 2024) — U.S. Bureau of Labor Statistics. https://www.bls.gov/oes/
- **BLS Employment Projections** (2024–2034) — U.S. Bureau of Labor Statistics. https://www.bls.gov/emp/
- **Anthropic Economic Index** (v4 (2026-01-15) + v2 (2025-03-27)) — Anthropic. https://www.anthropic.com/economic-index
- **Microsoft “Working with AI”** (working-with-ai) — Microsoft Research. https://www.microsoft.com/en-us/research/
- **“GPTs are GPTs” (Eloundou et al.)** (arXiv 2303.10130) — OpenAI / academic. https://arxiv.org/abs/2303.10130
- **AI Occupational Exposure (AIOE)** (Felten, Raj & Seamans) — academic. https://github.com/AIOE-Data/AIOE
- **Frey & Osborne (2013)** (frey-osborne-automation) — academic. https://www.oxfordmartin.ox.ac.uk/publications/the-future-of-employment/
- **Dingel & Neiman (2020)** (dingel-neiman-workathome) — academic. https://github.com/jdingel/DingelNeiman-workathome

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_Generated from Singulariki's joined dataset; data snapshot 2026-06-02T21:00:32.945303+00:00. https://singulariki.com/roles/role-43-4141-00_