Role Exposure Fintech evidence map
■ Snapshot 19 Aug 2026 DEMO

■ Role exposure index

The evidence-based map of AI exposure across fintech roles.

Empty ≠ 0. / No measurement / no number. Exposure is task share, not a layoff number. Coverage insufficient — score refused.

15 directions · 75 roles · 3 measured · 6 mapped · 18 external-study noted · 48 blank · 1 pack run · 3 specified ● our test ◐ protocol mapped ◇ external study ○ untested

■ Pack slate · 01 measured · 02–04 specified, no run

01 · rec.bank-ledger.v1 Bank ↔ book OUR TEST Works with controls 21 posted · 15 of 36 bank lines still a desk · 2 of 2 holds correct 02 · kyc.sanctions-adjudication.v1 Name-screening L1 SPECIFIED · NO RUN 03 · fraud.tm-l1-triage.v1 AML TM L1 SPECIFIED · NO RUN 04 · pay.exceptions-returns.v1 Payments exceptions SPECIFIED · NO RUN

First brick · rec.bank-ledger.v1

Bank ↔ ledger match

SAMPLE · NOT A REAL BANK · HARBOR LEDGER DEMO. Outcome: Works with controls. Readiness: Requires integration. Roles touched: Bookkeeping clerks, payments ops. Accountants — recon / close slice only. Candidate: 21 posted · 15 of 36 bank lines still a desk · 2 of 2 holds correct.

OUR TEST WORKS WITH CONTROLS REQUIRES INTEGRATION

OPEN PACK →

■ Models · No invented eval scores. Named lab models (GPT family, Claude family) have no Role Exposure pack result in this vintage. Rules baseline: ERP STP · amount + date + exact ref — ran as baseline on rec.bank-ledger.v1.

Index AETHER-FIN-2026-08-19 · Snapshot 19 Aug 2026 · Role map

01 Payments & acquiring

5 roles
● Payments operations / reconciliation PACK 01 WORKS WITH CONTROLS P01 P04
◐ Chargeback & dispute operations PROTOCOL MAPPED · NO RUN P04
○ Acquiring / merchant operations unmeasured
○ Settlement & clearing unmeasured
○ PSP / processor operations unmeasured

02 Banking operations & ledger

5 roles
● Bookkeeping, accounting, auditing clerks PACK 01 WORKS WITH CONTROLS P01 P04
○ Core ledger / GL operations unmeasured
○ Tellers unmeasured
◇ New accounts clerks external study: FO 0.99 · not our pack
◇ Correspondence clerks external study: α 95.2% · β 95.2% · not our pack

03 KYC, AML & sanctions

5 roles
◐ KYC / onboarding analyst PROTOCOL MAPPED · NO RUN P02
◐ AML / BSA investigator PROTOCOL MAPPED · NO RUN P02 P03
◐ Sanctions / screening analyst PROTOCOL MAPPED · NO RUN P02
○ PEP / EDD analyst unmeasured
◇ Financial examiners external study: AIOE #2 · not our pack

04 Fraud & transaction monitoring

4 roles
◐ Transaction monitoring analyst PROTOCOL MAPPED · NO RUN P03
◐ Alert triage (L1) PROTOCOL MAPPED · NO RUN P03
○ Fraud / risk ops (payments) unmeasured
○ Fraud rules / strategy unmeasured

05 Lending, scoring & underwriting

6 roles
◇ Loan officers external study: FO 0.98 · not our pack
◇ Credit analysts external study: FO 0.98 · not our pack
○ Credit underwriter (consumer fintech) unmeasured
○ Loan interviewers and clerks unmeasured
◇ Credit authorizers, checkers, clerks external study: FO 0.97 · AIOE #15 · not our pack
○ Collections operations unmeasured

06 Risk management

5 roles
○ Model-risk / AI-governance officer unmeasured
○ Market risk analyst unmeasured
○ Credit risk analyst unmeasured
○ Operational risk analyst unmeasured
○ Liquidity risk analyst unmeasured

07 Treasury & liquidity

4 roles
○ Treasury / FP&A (startup) unmeasured
○ Cash manager unmeasured
○ ALM analyst unmeasured
○ Funding / money-markets unmeasured

08 Accounting & reporting

7 roles
● Accountants and auditors PACK 01 WORKS WITH CONTROLS P01
◇ Tax preparers external study: ζ 100% · FO 0.99 · not our pack
◇ Tax examiners & collectors external study: FO 0.93 · not our pack
◇ Budget analysts external study: AIOE #5 · not our pack
○ Regulatory reporting unmeasured
○ Product control unmeasured
◇ Financial managers external study: σ² 13.0 · AIOE #13 · not our pack

09 Trading & investment operations

6 roles
◇ Financial quantitative analysts external study: ζ 100% · not our pack
○ Quant developer / strats engineer unmeasured
○ Financial and investment analysts unmeasured
◇ Investment fund managers external study: σ² 13.0 · not our pack
○ Trade / middle-office ops unmeasured
○ Corporate actions unmeasured

10 Wealth management

4 roles
○ Personal financial advisors unmeasured
○ Securities, commodities, and FS sales agents unmeasured
○ Wealth operations unmeasured
○ Suitability / advice review unmeasured

11 Insurance / insurtech

5 roles
◇ Insurance underwriters external study: FO 0.99 · not our pack
◇ Claims adjusters, examiners, investigators external study: FO 0.98 · not our pack
◇ Actuaries external study: AIOE #3 · not our pack
○ Policy administration unmeasured
○ Insurance operations unmeasured

12 Crypto & digital assets

5 roles
◇ Blockchain engineers external study: β 97.1% · α 94.1% · not our pack
○ Crypto / on-chain operations unmeasured
○ On-call incident / crypto exchange ops unmeasured
○ On-chain compliance unmeasured
○ Custody operations unmeasured

13 Customer operations

4 roles
○ Customer service representatives unmeasured
○ Customer-support team lead (neobank) unmeasured
○ Complaints / ombuds unmeasured
○ Retention / win-back unmeasured

14 Legal, compliance & audit

4 roles
◇ Compliance officers external study: FO 0.08 hist. · not our pack
○ Internal audit unmeasured
○ Legal operations unmeasured
○ Conduct risk unmeasured

15 Product, engineering, data & cybersecurity

6 roles
○ Software / analytics engineers (finance employers) unmeasured
○ Data / analytics engineer unmeasured
○ Cybersecurity / AppSec unmeasured
○ Product manager unmeasured
◇ Data entry keyers external study: FO 0.99 · not our pack
○ Fintech growth / lifecycle marketing unmeasured