ISCO-08 4312
Statistical, finance and insurance clerks
95.8%
ADI · 32nd of 433 · 95% interval 91.0–99.5
An AI agent can at least partly carry out 95.8% of the task time of statistical, finance and insurance clerks, and finish 19.3% alone. The barrier that holds most of the rest back is access to the systems the work runs on.
ADI · partial or full95.8%
32nd of 433 · interval 91.0–99.5
ADI3 · full delegation19.3%
18th of 433 · interval 11.0–28.0
ADIs · share of time68.8%
13th of 433 · interval 65.3–72.0
Evidence84
task statements rated by two models and weighted by importance and frequency. World employment: 2.1 million.
Task weight by level
How the tasks rate
L0No meaningful role · 1.2%L1Augmentation · 3.1%L2Partial delegation · 76.5%L3Full delegation · 19.3%
Barriers
What stops the agent
Share of task weight flagged by each barrier; a task can carry several.
84 task statements, heaviest first
| Task statement (O*NET occupation) | Sonnet · Haiku | Barriers | ||||
|---|---|---|---|---|---|---|
| Correspond with customers and confer with coworkers to answer inquiries, discuss market fluctuations, or resolve account problems.Brokerage Clerks | 2.8% | L2 | L2L2 | 62% | 20 min | Accountability, Access to systems |
| Perform clerical tasks, such as answering phones or distributing mail.Brokerage Clerks | 2.5% | L2 | L2L2 | 52% | 30 min | Physical presence, Access to systems |
| File, type, or operate standard office machines.Brokerage Clerks | 2.4% | L2 | L2L2 | 55% | 25 min | Physical presence, Access to systems |
| Document security transactions, such as purchases, sales, conversions, redemptions, or payments, using computers, accounting ledgers, or certificate records.Brokerage Clerks | 2.4% | L2 | L2L2 | 75% | 25 min | Accountability, Access to systems |
| Monitor daily stock prices and compute fluctuations to determine the need for additional collateral to secure loans.Brokerage Clerks · supplemental task | 2.0% | L3 | L3L3 | 85% | 45 min | Access to systems |
| Collect and record customer deposits and fees and issue receipts, using computers.New Accounts Clerks | 2.0% | L2 | L2L2 | 60% | 9 min | Physical presence, Accountability, Trust and care, Access to systems |
| Perform teller duties as required.New Accounts Clerks | 1.8% | L1 | L1L1 | 18% | 12 min | Physical presence, Accountability, Trust and care, Access to systems |
| Compile information about new accounts, enter account information into computers, and file related forms or other documents.New Accounts Clerks | 1.8% | L2 | L3L2 | 78% | 22 min | Accountability, Access to systems |
| Answer customers' questions and explain available services, such as deposit accounts, bonds, and securities.New Accounts Clerks | 1.8% | L3 | L3L3 | 80% | 12 min | Trust and care, Access to systems |
| Inform customers of procedures for applying for services, such as ATM cards, direct deposit of checks, and certificates of deposit.New Accounts Clerks | 1.7% | L2 | L3L2 | 75% | 12 min | Trust and care, Access to systems |
| Compute total holdings, dividends, interest, transfer taxes, brokerage fees, or commissions and allocate appropriate payments to customers.Brokerage Clerks · supplemental task | 1.7% | L2 | L3L2 | 80% | 45 min | Accountability, Access to systems |
| Evaluate customers' computerized credit records and payment histories to decide whether to approve new credit, based on predetermined standards.Credit Authorizers, Checkers, and Clerks · supplemental task | 1.7% | L3 | L3L3 | 82% | 18 min | Accountability, Access to systems |
| Compile and analyze credit information gathered by investigation.Credit Authorizers, Checkers, and Clerks | 1.7% | L2 | L2L2 | 65% | 1.1 h | Accountability, Access to systems |
| Schedule and coordinate transfer and delivery of security certificates between companies, departments, and customers.Brokerage Clerks · supplemental task | 1.6% | L2 | L2L2 | 60% | 32 min | Accountability, Access to systems |
| Verify ownership and transaction information and dividend distribution instructions to ensure conformance with governmental regulations, using stock records and reports.Brokerage Clerks · supplemental task | 1.6% | L2 | L2L2 | 68% | 32 min | Accountability, Access to systems |
Show the other 69 tasks
| Task statement (O*NET occupation) | Sonnet · Haiku | Barriers | ||||
|---|---|---|---|---|---|---|
| Prepare forms, such as receipts, withdrawal orders, transmittal papers, or transfer confirmations, based on transaction requests from stockholders.Brokerage Clerks | 1.6% | L2 | L2L2 | 72% | 12 min | Accountability, Access to systems |
| Refer customers to appropriate bank personnel to meet their financial needs.New Accounts Clerks | 1.6% | L2 | L2L2 | 60% | 10 min | Trust and care, Access to systems |
| Interview customers to obtain information needed for opening accounts or renting safe-deposit boxes.New Accounts Clerks | 1.5% | L2 | L2L2 | 52% | 28 min | Physical presence, Accountability, Trust and care, Access to systems |
| Keep records of customers' charges and payments.Credit Authorizers, Checkers, and Clerks | 1.5% | L3 | L3L3 | 88% | 20 min | Access to systems |
| Process loan applications.New Accounts Clerks · supplemental task | 1.5% | L2 | L2L2 | 68% | 45 min | Accountability, Access to systems |
| Prepare reports summarizing daily transactions and earnings for individual customer accounts.Brokerage Clerks · supplemental task | 1.5% | L3 | L3L3 | 85% | 45 min | Access to systems |
| Obtain information about potential creditors from banks, credit bureaus, and other credit services, and provide reciprocal information if requested.Credit Authorizers, Checkers, and Clerks | 1.4% | L2 | L2L2 | 68% | 25 min | Accountability, Access to systems |
| File sales slips in customers' ledgers for billing purposes.Credit Authorizers, Checkers, and Clerks · supplemental task | 1.4% | L3 | L3L3 | 90% | 4 min | Access to systems |
| Interview credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.Credit Authorizers, Checkers, and Clerks | 1.4% | L2 | L2L2 | 62% | 22 min | Trust and care, Access to systems |
| Receive charge slips or credit applications by mail, or receive information from salespeople or merchants by telephone.Credit Authorizers, Checkers, and Clerks · supplemental task | 1.4% | L2 | L3L2 | 65% | 10 min | Physical presence, Trust and care, Access to systems |
| Obtain credit records from reporting agencies.New Accounts Clerks · supplemental task | 1.3% | L2 | L3L2 | 78% | 12 min | Accountability, Access to systems |
| Verify and examine information and accuracy of loan application and closing documents.Loan Interviewers and Clerks | 1.3% | L2 | L2L2 | 70% | 45 min | Accountability, Access to systems |
| Contact customers by mail, telephone, or in person concerning acceptance or rejection of applications.Loan Interviewers and Clerks | 1.3% | L2 | L2L2 | 62% | 12 min | Physical presence, Accountability, Trust and care, Access to systems |
| Submit loan applications with recommendation for underwriting approval.Loan Interviewers and Clerks | 1.2% | L2 | L2L2 | 70% | 1.1 h | Accountability, Access to systems |
| Issue initial and replacement safe-deposit keys to customers, and admit customers to vaults.New Accounts Clerks | 1.2% | L0 | L0L1 | 12% | 15 min | Physical presence, Accountability, Trust and care, Access to systems |
| Record applications for loan and credit, loan information, and disbursements of funds, using computers.Loan Interviewers and Clerks | 1.2% | L2 | L3L2 | 72% | 32 min | Accountability, Trust and care, Access to systems |
| Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers.Loan Interviewers and Clerks | 1.2% | L2 | L2L2 | 70% | 52 min | Accountability, Access to systems |
| Answer questions and advise customers regarding loans and transactions.Loan Interviewers and Clerks | 1.2% | L2 | L3L2 | 75% | 15 min | Accountability, Trust and care, Access to systems |
| Prepare reports of findings and recommendations.Credit Authorizers, Checkers, and Clerks · supplemental task | 1.2% | L2 | L3L2 | 78% | 1.3 h | Accountability, Access to systems |
| Contact former employers and other acquaintances to verify applicants' references, employment, health history, or social behavior.Credit Authorizers, Checkers, and Clerks · supplemental task | 1.2% | L2 | L2L2 | 60% | 1.0 h | Accountability, Trust and care, Access to systems |
| Consult with customers to resolve complaints or verify financial or credit transactions.Credit Authorizers, Checkers, and Clerks · supplemental task | 1.2% | L2 | L2L2 | 60% | 18 min | Accountability, Trust and care, Access to systems |
| Call customers to collect payment on delinquent accounts.Credit Authorizers, Checkers, and Clerks · supplemental task | 1.2% | L2 | L2L2 | 68% | 11 min | Trust and care, Access to systems |
| Review individual or commercial customer files to identify and select delinquent accounts for collection.Credit Authorizers, Checkers, and Clerks · supplemental task | 1.2% | L3 | L3L3 | 88% | 30 min | Access to systems |
| File and maintain loan records.Loan Interviewers and Clerks | 1.2% | L2 | L2L3 | 75% | 25 min | Access to systems |
| Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.Loan Interviewers and Clerks | 1.2% | L2 | L2L2 | 68% | 1.4 h | Access to systems |
| Investigate and correct errors upon customers' request, according to customer and bank records.New Accounts Clerks | 1.2% | L2 | L2L2 | 62% | 32 min | Accountability, Access to systems |
| Contact credit bureaus, employers, and other sources to check applicants' credit and personal references.Loan Interviewers and Clerks | 1.1% | L2 | L2L2 | 60% | 38 min | Accountability, Trust and care, Access to systems |
| Review customer accounts to determine whether payments are made on time and that other loan terms are being followed.Loan Interviewers and Clerks | 1.1% | L2 | L3L2 | 75% | 30 min | Access to systems |
| Execute wire transfers of funds.New Accounts Clerks | 1.1% | L2 | L2L2 | 68% | 15 min | Accountability, Access to systems |
| Interview loan applicants to obtain personal and financial data and to assist in completing applications.Loan Interviewers and Clerks | 1.1% | L2 | L2L2 | 62% | 45 min | Accountability, Trust and care, Access to systems |
| Prepare insurance claim forms or related documents, and review them for completeness.Insurance Claims and Policy Processing Clerks | 1.1% | L2 | L2L2 | 75% | 25 min | Access to systems |
| Accept payment on accounts.Loan Interviewers and Clerks · supplemental task | 1.1% | L2 | L2L2 | 60% | 9 min | Physical presence, Accountability, Trust and care, Access to systems |
| Pay small claims.Insurance Claims and Policy Processing Clerks · supplemental task | 1.1% | L2 | L2L3 | 72% | 20 min | Accountability, Access to systems |
| Post or attach information to claim file.Insurance Claims and Policy Processing Clerks | 1.1% | L3 | L3L3 | 85% | 8 min | Access to systems |
| Present loan and repayment schedules to customers.Loan Interviewers and Clerks | 1.1% | L2 | L2L2 | 70% | 22 min | Accountability, Trust and care |
| Order property insurance or mortgage insurance policies to ensure protection against loss on mortgaged property.Loan Interviewers and Clerks · supplemental task | 1.0% | L2 | L2L2 | 70% | 32 min | Accountability, Access to systems |
| Check value of customer collateral to be held as loan security.Loan Interviewers and Clerks | 1.0% | L2 | L2L2 | 60% | 45 min | Physical presence, Accountability, Access to systems |
| Calculate amount of claim.Insurance Claims and Policy Processing Clerks | 1.0% | L2 | L2L3 | 78% | 22 min | Accountability, Access to systems |
| Transmit claims for payment or further investigation.Insurance Claims and Policy Processing Clerks | 1.0% | L2 | L3L2 | 78% | 18 min | Accountability, Access to systems |
| Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.Insurance Claims and Policy Processing Clerks | 1.0% | L3 | L3L3 | 85% | 22 min | Access to systems |
| Relay credit report information to subscribers by mail or by telephone.Credit Authorizers, Checkers, and Clerks · supplemental task | 1.0% | L2 | L3L2 | 72% | 11 min | Accountability, Access to systems |
| Calculate, review, and correct errors on interest, principal, payment, and closing costs, using computers or calculators.Loan Interviewers and Clerks | 1.0% | L2 | L2L3 | 78% | 30 min | Accountability, Access to systems |
| Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.Insurance Claims and Policy Processing Clerks | 0.9% | L3 | L3L3 | 80% | 12 min | Access to systems |
| Mail charge statements to customers.Credit Authorizers, Checkers, and Clerks · supplemental task | 0.9% | L2 | L2L3 | 78% | 18 min | Physical presence, Access to systems |
| Review insurance policy to determine coverage.Insurance Claims and Policy Processing Clerks | 0.9% | L3 | L3L3 | 85% | 38 min | Accountability, Access to systems |
| Examine city directories and public records to verify residence property ownership, bankruptcies, liens, arrest record, or unpaid taxes of applicants.Credit Authorizers, Checkers, and Clerks · supplemental task | 0.9% | L2 | L2L2 | 65% | 38 min | Access to systems |
| Establish credit limits and grant extensions of credit on overdue accounts.Loan Interviewers and Clerks · supplemental task | 0.9% | L2 | L2L2 | 62% | 30 min | Accountability, Access to systems |
| Contact insured or other involved persons to obtain missing information.Insurance Claims and Policy Processing Clerks | 0.9% | L2 | L2L2 | 70% | 20 min | Trust and care, Access to systems |
| Schedule and conduct closings of mortgage transactions.Loan Interviewers and Clerks · supplemental task | 0.8% | L2 | L2L2 | 50% | 1.4 h | Physical presence, Accountability, Trust and care, Access to systems |
| Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers.Insurance Claims and Policy Processing Clerks · supplemental task | 0.8% | L2 | L2L2 | 70% | 25 min | Accountability, Access to systems |
| Process and record new insurance policies and claims.Insurance Claims and Policy Processing Clerks | 0.8% | L2 | L2L2 | 75% | 22 min | Access to systems |
| Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies.Insurance Claims and Policy Processing Clerks | 0.8% | L3 | L3L3 | 82% | 15 min | Access to systems |
| Correspond with insured or agent to obtain information or to inform them of account status or changes.Insurance Claims and Policy Processing Clerks | 0.8% | L2 | L3L2 | 75% | 15 min | Access to systems |
| Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes.Insurance Claims and Policy Processing Clerks | 0.8% | L2 | L2L2 | 70% | 25 min | Access to systems |
| Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts.Insurance Claims and Policy Processing Clerks | 0.7% | L3 | L3L3 | 88% | 18 min | Access to systems |
| Prepare credit cards or charge account plates.Credit Authorizers, Checkers, and Clerks · supplemental task | 0.7% | L1 | L1L1 | 18% | 12 min | Physical presence, Access to systems |
| Collect initial premiums and issue receipts.Insurance Claims and Policy Processing Clerks · supplemental task | 0.7% | L2 | L2L3 | 75% | 12 min | Access to systems |
| Interview clients and take their calls to provide customer service and obtain information on claims.Insurance Claims and Policy Processing Clerks · supplemental task | 0.7% | L2 | L2L2 | 60% | 20 min | Trust and care, Access to systems |
| Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met.Insurance Claims and Policy Processing Clerks | 0.6% | L2 | L3L2 | 78% | 25 min | Accountability, Access to systems |
| Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards.Insurance Claims and Policy Processing Clerks · supplemental task | 0.6% | L2 | L2L3 | 80% | 22 min | Accountability, Access to systems |
| Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled.Insurance Claims and Policy Processing Clerks · supplemental task | 0.6% | L2 | L2L2 | 72% | 45 min | Accountability, Access to systems |
| Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance.Insurance Claims and Policy Processing Clerks · supplemental task | 0.6% | L2 | L2L2 | 68% | 25 min | Accountability, Access to systems |
| Enter insurance- and claims-related information into database systems.Insurance Claims and Policy Processing Clerks · supplemental task | 0.6% | L3 | L3L3 | 86% | 11 min | Access to systems |
| Compose business correspondence for supervisors, managers, and professionals.Insurance Claims and Policy Processing Clerks · supplemental task | 0.6% | L3 | L3L3 | 85% | 25 min | Access to systems |
| Obtain computer printout of policy cancellations, or retrieve cancellation cards from file.Insurance Claims and Policy Processing Clerks · supplemental task | 0.6% | L3 | L3L3 | 88% | 18 min | Access to systems |
| Schedule repairs for locks on safe-deposit boxes.New Accounts Clerks · supplemental task | 0.5% | L2 | L2L2 | 65% | 20 min | Accountability, Access to systems |
| Duplicate records for distribution to branch offices.New Accounts Clerks · supplemental task | 0.5% | L3 | L3L3 | 88% | 30 min | Access to systems |
| Perform foreign currency transactions and sell traveler's checks.New Accounts Clerks · supplemental task | 0.5% | L1 | L1L2 | 30% | 11 min | Physical presence, Accountability, Trust and care, Access to systems |
| Notify insurance agent and accounting department of policy cancellation.Insurance Claims and Policy Processing Clerks | 0.5% | L3 | L3L3 | 90% | 15 min | Access to systems |
Level: consensus of the two models (the lower level when they disagree). Share: part of the task’s working time an agent could take over. Human time: minutes a competent person needs for one instance, as estimated by the models.
Against other measures
Exposure is not delegation
| Measure | Value | Percentile | Pct |
|---|---|---|---|
| ADI (this index) | 95.8% | 93 | |
| Eloundou et al. (2024), GPT exposure β | 0.676 | 93 | |
| Felten et al. (2021), AI occupational exposure | 1.273 | 92 | |
| Webb (2020), AI patent exposure | 29.4 | 21 | |
| Eisfeldt et al. (2026), generative AI exposure | 0.469 | 86 | |
| Anthropic Economic Index, observed use | 0.131 | 77 |
Earlier indices measure whether AI can touch a task; ADI measures how much of it an agent can carry out from a goal. – : the source does not cover this occupation.
Same sub-major group (43)
Neighbouring occupations
| Occupation | ADI | % |
|---|---|---|
| Payroll clerks 4313 | 100.0 | |
| Production clerks 4322 | 100.0 | |
| Transport clerks 4323 | 100.0 | |
| Accounting and bookkeeping clerks 4311 | 90.1 | |
| Stock clerks 4321 | 43.9 |
Dashed line: statistical, finance and insurance clerks (95.8%).
Cite this record
Text
Espinal Maya, Cristian, and Santiago Jiménez Londoño. 2026. ADI v2026.1: Agent Delegability Index data, code and MCP server. Zenodo. https://doi.org/10.5281/zenodo.23552918. Record: Statistical, finance and insurance clerks (ISCO-08 4312), https://balamlabs.org/adi/occupations/4312
BibTeX
@misc{espinal2026adidata,
title = {{ADI} v2026.1: Agent Delegability Index data, code and {MCP} server},
author = {Espinal Maya, Cristian and Jim{\'e}nez Londo{\~n}o, Santiago},
year = {2026},
publisher = {Zenodo},
version = {v2026.1},
doi = {10.5281/zenodo.23552918},
url = {https://doi.org/10.5281/zenodo.23552918},
note = {Record: Statistical, finance and insurance clerks (ISCO-08 4312)}
}Machine-readable
The same record as static JSON, with its citation: /adi/v2026.1/isco/4312.json.