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Financial Institutions Examiner

  • 504034
  • Full-time
  • Closing at: Jan 31 2022 at 23:55 MST


The Department of Insurance and Financial Institutions licenses, monitors, investigates, examines, and ensures the safety and soundness of, regulated entities. The Department also helps resolve consumer complaints against financial-services and insurance entities; takes action in response to violations of law; encourages competition, innovation, and economic development; collects taxes and assessments that support State government operations; combats auto theft and insurance fraud through public awareness campaigns, and funding for law enforcement and dedicated prosecutors.

Our mission is to help Arizonans receive the benefits and protections to which they are legally entitled by enforcing insurance and financial institution laws and by providing information and assistance and to combat vehicle theft.

Financial Institutions Examiner


Job Location:


Posting Details:

Salary: $25.00 - $32.25/hr 

Grade: 20

Closing Date: 

Job Summary:

The Financial Institution Examiner will be responsible for performing professional work of unusual difficulty in the examination and analysis of the conditions and overall operations of financial institutions including conditions of credit, financial statements, internal controls, general operations and methods, trust operations, and commercial loan and investment portfolios. At this level, the examiner possesses the knowledge and expertise to be considered expert, carries out the full range of examination assignments, and normally is assigned the most difficult, complex examinations. Work is carried out with little or no supervisory intervention.

Job Duties:

-Examining complex records, accounts, and securities portfolios of licensees; Verifying that proper and lawful procedures are being followed, that securities are appropriate for licensee being examined, and that loan portfolio is of such quality to be considered a bankable asset.

-Reviewing financial documents and other data used by licensee and verifying that financial accounting controls and figures are in compliance with state and federal laws. Directing, instructing, and counseling subordinate examiners in carrying out a variety of tasks and reviewing theirs work products.

-Writing detailed reports based on an examination, analysis, and evaluation of data pertaining to specific licensees in accordance with established procedures and format. Conducting exit reviews to explain the details of the examinations. Conducting field investigations relating to reported violations or irregularities in business or practice; interviewing complainants and others, examining evidence, recommending actions, and writing detailed investigative reports.

-Analyzing financial statements of licensees in order to make determinations on compliance with state laws and regulations. Composing detailed report of examinations, and appropriately rating banks and credit unions on Capital, Asset Quality, Management, Earnings, Liquidity and Sensitivity to Market Risk components, as well as assigning a composite rating.

-Examining department files and other data prior to examination of business records to determine the scope of examination needed.

Knowledge, Skills & Abilities (KSAs):

• Generally accepted and regulatory accounting practices and principles and examination procedures.
• Policies and procedures established for the work units.
• Investigative techniques and reporting procedures.
• Software platforms relevant to financial services business operations.
• Familiarity with cybersecurity concepts and best practices.
• Managerial practices and supervisory techniques.

• Applying examining and accounting methods and techniques.
• Interpreting complex laws, rules and regulations.
• Applying federal and state laws, rules and regulations as they pertain to licensee’s operations and activities.
• Researching, analyzing and interpreting complex financial data.
• Mathematical calculations.
• Using computerized products and microcomputer in the examination process.
• Using investigative methods and techniques and maintaining chain of evidence.
• Oral and written communications.
• Work management and leadership.
• Interpersonal relationships.

• Excellent oral and written communication skills to provide conclusions and work products to other examiners and financial licensee managers.
• Interpersonal skills to work well in a team environment and to interact with staff and management at various financial Institutions.
• Be able to travel with overnight stays away from home base. Typical out of town travel can be up to 1/3 of the time.

Selective Preference(s):

• Knowledge of State and Federal laws pertaining to Banks/Credit Unions/ Trust Companies, including interest in digital assets.
• Past experience and training in examination or investigative work related to Financial Institutions.
• Familiarity with Federal Regulatory software programs (i.e. ETS, ARIES) used in preparing Reports of Examinations.

Pre-Employment Requirements:

• Employees who drive on state business are subject to driver’s license record checks, must maintain acceptable driving records and must complete any required driver training (see Arizona Administrative Code R2-10-207.12.)
• Requires possession of and ability to retain a current, valid state-issued driver’s license appropriate to the assignment
• Employment is contingent on the selected applicant passing a background investigation and FINGERPRINT CLEARANCE CARD


The State of Arizona provides an excellent comprehensive benefits package including:
− Affordable medical and dental insurance plans
− Paid vacation and sick time
− 10 paid holidays per year
− Wellness program and plans
− Life insurance
− Short/long-term disability insurance
− Defined retirement plan
− Credit union membership
− Transit subsidy

For a complete list of benefits provided by The State of Arizona, please visit our benefits page


-Positions in this classification participate in the Arizona State Retirement System (ASRS).
-Please note that enrollment eligibility will become effective after 27 weeks of employment.

Contact Us:

Arizona State Government is an EOE/ADA Reasonable Accommodation Employer. Persons with a disability may request a reasonable accommodation such as a sign language interpreter or an alternative format by calling (602) 364-0108. Requests should be made as early as possible to allow sufficient time to arrange the accommodation. DIFI is an Equal Employment Opportunity Employer. All newly hired employees will be subject to E-Verify Employment Eligibility Verification.


All Arizona state employees operate within the Arizona Management System (AMS), an intentional, results-driven approach for doing the work of state government whereby every employee reflects on performance, reduces waste, and commits to continuous improvement with sustainable progress.  Through AMS, every state employee seeks to understand customer needs, identify problems, improve processes, and measure results.  
State employees are highly engaged, collaborative and embrace a culture of public service.

The State of Arizona is an Equal Employment Opportunity Employer.