New Accounts Clerks.

This job has 15 core tasks. We went through 13 of them, one at a time.

Task by task, from the work New Accounts Clerks actually do. How we describe AI use in each task is our own read of it, not a measurement of whether AI can replace the job.

1. TASK 01

   Compile information about new accounts, enter account information into computers, and file related forms or other documents.

   AI DOES

   Auto-fills forms, flags missing fields, and organizes digital records

   YOU DO

   Catch errors, verify identity details, and handle unusual account situations

2. TASK 02

   Collect and record customer deposits and fees and issue receipts, using computers.

   AI DOES

   Auto-fills forms, calculates fees, and generates receipts from transaction data

   YOU DO

   Verify customer identity and catch unusual account situations

3. TASK 03

   Obtain credit records from reporting agencies.

   AI DOES

   Requests credit reports from bureaus and imports data into systems automatically

   YOU DO

   Handle exceptions, verify identity flags, and make judgment calls on unusual cases

4. TASK 04

   Duplicate records for distribution to branch offices.

   AI DOES

   Copies, formats, and sends records to the right branch offices automatically

   YOU DO

   Confirm accuracy and handle exceptions when records don't match

5. TASK 05

   Process loan applications.

   AI DOES

   Pre-screens applications, checks data fields, and surfaces risk flags

   YOU DO

   Make final judgment on borderline cases and verify identity in person

6. TASK 06

   Inform customers of procedures for applying for services, such as ATM cards, direct deposit of checks, and certificates of deposit.

   AI DOES

   Answers common procedure questions instantly via chat or voice scripts

   YOU DO

   Read the customer's confusion and adjust your explanation in real time

7. TASK 07

   Investigate and correct errors upon customers' request, according to customer and bank records.

   AI DOES

   Searches records, spots mismatches, and drafts correction summaries

   YOU DO

   Verify the customer's identity and approve each correction yourself

8. TASK 08

   Execute wire transfers of funds.

   AI DOES

   Checks transfer details for errors, flags suspicious patterns, and pre-fills routing data

   YOU DO

   Verify the customer's identity and authorize the final transaction

9. TASK 09

   Answer customers' questions and explain available services, such as deposit accounts, bonds, and securities.

   AI DOES

   Pulls up product details, drafts plain-language explanations, and suggests answers to common questions

   YOU DO

   Read the customer's mood, earn their trust, and judge what they truly need

10. TASK 10

    Refer customers to appropriate bank personnel to meet their financial needs.

    AI DOES

    Suggests which bank staff member fits the customer's need based on their request

    YOU DO

    Read the customer's mood, ask follow-up questions, and make them feel heard before referring them

11. TASK 11

    Schedule repairs for locks on safe-deposit boxes.

    AI DOES

    Drafts repair request emails, looks up vendor contacts, and suggests scheduling options

    YOU DO

    Confirm physical access windows and verify the right people are on-site for the repair

12. TASK 12

    Interview customers to obtain information needed for opening accounts or renting safe-deposit boxes.

    AI DOES

    Suggests interview questions, flags missing info, and drafts account forms in real time

    YOU DO

    Build trust with the customer and handle sensitive ID verification in person

13. TASK 13

    Perform foreign currency transactions and sell traveler's checks.

    AI DOES

    Looks up live exchange rates, calculates conversion amounts, and flags compliance rules

    YOU DO

    Handle cash, verify identity in person, and complete the physical transaction