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New accounts clerks (O*NET-SOC 43-4141.00) handle account-opening stages at banks and other depository financial institutions: interviewing customers, verifying identity documents and materials, explaining account and service terms, entering account information into systems and filing records, handling counter payments, transfers and error correction as needed, and escalating abnormalities in customer identity or transactions under institutional procedures. This page uses only official sources to explain occupational scope, tasks, preparation requirements, Chinese and US statistical definitions, and authorization boundaries.
One-sentence assessment | This career is worth exploring further only if you are willing to spend extended periods serving customers on the branch front line, get account-opening documents and identity verification right the first time, and maintain reviewable records that meet regulatory requirements despite customer pressure and performance targets.
Core output | Connect customer identity and account-opening verification results, explanations of account and product terms, system entries and archived records into a traceable account-opening file: registration, risk disclosures, customer confirmations and follow-up, beyond merely completing a data entry.
Tellers | Primarily handle cash and check receipts and payments and account transactions, with fewer account-opening interviews and product explanations. This occupation centers on document verification, explanations of terms and account entry during account opening, with counter payments handled as needed.
Customer service representatives | Focus on inquiries, complaints and product guidance, without operational responsibility for account opening and identity verification. Credit and financial advisers handle loan approval recommendations and investment product allocation; this occupation only identifies needs and makes referrals.
Start with tasks | Task exposure to generative AI does not equal actual adoption, the probability of automation or job disappearance. This page analyzes tasks and work contexts from O*NET 43-4141.00 individually and does not invent a replacement rate or score for this occupation.
More suitable for assistance | Customer document checklist verification, account-opening form field checks, drafts explaining terms and fees, organization of FAQ scripts and follow-up reminders.
Information retrieval assistance | May help locate current institutional account-opening requirements and product description versions. Humans must review cited terms, effective dates and applicable scope.
This is the US O*NET43-4141.00 account-opening service occupation. This review did not verify a one-to-one Chinese classification mapping. Chinese accounts are divided into organizational and individual accounts; verify individual real-name requirements and intent to open an account under applicable rules. China's 2019 reform removed enterprise bank account licensing: basic and temporary deposit accounts of domestic corporate legal entities, unincorporated enterprises and individually owned businesses moved from approval to filing. Government bodies, public institutions and other organizations follow applicable rules; do not claim that licensing was removed for all organizational accounts.
This National Bureau of Statistics industry table does not list new accounts clerks separately. Financial industry averages serve only as a reference for related financial institution employers. This review did not obtain an occupational wage distribution on a comparable basis.
The 2025 BLS OEWS data displayed by O*NET report the exact occupation 43-4141.00: median hourly wage of USD 22.92 and median annual wage of USD 47,670. These figures are not starting salaries or individual quoted rates.
National annual wage percentiles under the same definition are USD 38,180 at the 10th percentile, USD 43,920 at the 25th, USD 55,100 at the 75th and USD 60,910 at the 90th. Corresponding hourly wages are USD 18.36, 21.12, 26.49 and 29.29.
The percentiles and medians all use 2025 BLS OEWS national data and cannot be directly compared across years, regions or institution types.
Scope statement | This checklist cannot replace institutional account-opening policies, anti-money laundering procedures, identity verification or consumer protection requirements. Main risks include inadequate identity verification or document review, unverified account-opening intent, procedural shortcuts to meet targets, mishandling customer information and identity document images, and failure to escalate abnormalities promptly. Controls should be tailored to the institution and jurisdiction.
Identity, document, intent, abnormal-signal and confidentiality risks must be handled under institutional procedures. Lawful agency does not imply suspicion. Two-person review and spot checks are risk-tailored editorial recommendations, without claims that they are universally mandatory or that their effectiveness has been verified.
Step 0: determine jurisdictional and institutional rules | First identify the intended country or region and institution type. Verify account-opening document requirements, identity verification methods, account approval or filing systems, and allocation of anti-money laundering obligations. The pathway on this page is an editorial synthesis, does not represent uniform entry requirements and does not authorize account opening, verification or approval.
Learn institutional account products, account-opening document checklists, identity verification and key system operations under guidance, and become familiar with procedures through counter observation and simulations.
BLS43-4141, United States 2025—2035: employment of 37,900→35,500, a decline of 6.5%, with 2,300 average annual openings, mainly from replacement. These figures do not represent current recruitment, Chinese demand or AI causality.
Geographic scope | Nationwide United States, from the same source as the wage and employment data; the page specifies the exact occupation 43-4141.00 New Accounts Clerks.
OEWS wages for 2025 and BLS employment projections for 2025—2035; industry details for 2025, while the separate subpage does not list a year.
According to O*NET 43-4141.00, core work includes interviewing customers who wish to open accounts, obtaining required information and helping prepare application materials; compiling account information, entering it into systems and filing forms and documents; performing teller duties as needed, receiving and recording deposits and fees and issuing receipts; explaining application procedures for deposit accounts, bank cards, certificates of deposit and direct deposit; investigating and correcting errors at customers' requests using records; executing fund transfers; and referring customers to appropriate personnel when their needs exceed account services.
Bank tellers primarily handle cash and check receipts and payments and account transactions, with fewer account-opening interviews and product explanations. Customer service representatives focus on inquiries, complaints and product guidance, without operational responsibility for account opening and identity verification. Credit and financial advisory roles handle approval recommendations and investment allocation. This occupation centers on document verification, explanations of terms and account entry during account opening, handles counter payments as needed, and escalates suspicious circumstances under institutional procedures.
20—120-minute safe trial | Conduct a simulated exercise with fictional customer information: list identity documents and supporting materials needed to open an individual account, write three questions that must clarify the customer's intent or purpose, and prepare an explanation of how to defer processing when information is incomplete. Do not use this exercise to open an account for a real customer or reach compliance conclusions.
First hurdle | Verify authorization boundaries first: who may verify identity, approve account opening and handle suspicious circumstances. Covered US institutions must verify customer identity, identify beneficial owners of legal entity customers and conduct ongoing monitoring under FinCEN customer due diligence rules. In mainland China, individual bank settlement accounts must be opened under real names using personal identity documents, with identity verified; organizational accounts are subject to approval or filing depending on their category. Specific authorization and escalation routes follow institutional policies.
The core capability of new accounts clerks is implementing compliance requirements at the account-opening counter while explaining them clearly to customers: systematically checking identities and documents, entering and filing information through standard procedures, explaining terms and fees in understandable language, and knowing when to defer processing and escalate incomplete information or abnormal signals.
Work primarily takes place at branch counters and customer waiting areas, almost entirely indoors. O*NET work context data show that 79% work indoors in controlled conditions daily, 90% use the telephone daily, 87% use email daily, 79% have face-to-face discussions daily, and 89% maintain constant contact with others.
Accuracy and repetition requirements are high: 67% consider exactness or accuracy extremely important and 74% consider repeating the same tasks extremely important; 27% report extremely serious consequences of errors and 11% very serious consequences. Meanwhile, 89% work 40 hours per week, and 100% have regular schedules.
The emphasis is on combining process discipline with communication: getting account-opening documents right the first time, making terms understandable, and completing verification and records as required by regulators despite performance targets and time pressure.
Quality is measured by documents and identity verification passing the first time, traceable entries and filing, confirmation records for explanations of terms and fees, and abnormalities escalated and resolved under procedures, rather than account-opening volume alone.
Responsibility boundaries | Responsibility for account approval, identity verification conclusions and judgments on suspicious circumstances rests with institutional policies and authorization chains. Counter staff must not independently relax identity checks, skip due diligence steps or promise approval outcomes. In mainland China, financial institutions legally bear account-opening and anti-money laundering obligations; specific operations follow current institutional policies and the latest regulatory documents.
The workflow proceeds as follows: reception and needs identification → verify identity and documents → explain terms and fees and obtain confirmation → enter and file information → process payments or make referrals → escalate abnormalities and follow up. Occupational boundaries | This occupation is distinct from credit approval staff, financial advisers and anti-money laundering specialists. Loan approval, investment advice and classification of suspicious transactions are outside counter staff's independent decision-making scope.
Selection signal | Compare more than the fact that these roles all work in bank branches. Consider who handles identity verification and account-opening operations, who makes approval or investment recommendations, and who decides to defer processing or report suspicious circumstances.
Centers on cash and check receipts and payments and account transactions, typically without responsibility for judging the completeness of account-opening documents or customer due diligence.
Consider teller work if you prefer standardized transactions, cash management and counter service. Consider customer service representative work if you prefer identifying needs and explaining products without operational responsibility for account opening.
Risk-screening assistance | May flag missing or inconsistent information, but cannot replace identity verification, verification of intent to open an account or judgments on suspicious circumstances.
Responsibility cannot be delegated to general-purpose models: intent to open an account, acceptance of documents, approval or deferral, judgments on suspicious circumstances and customer commitments follow institutional authorization. Compliant digital verification may assist; this does not require every step to be entirely manual or grant general-purpose models authority to process accounts.
Verify valid identity information, intent to open an account and lawful agency relationships according to the channel and applicable rules. Review and document abnormalities through the authorization chain; do not generalize that every account opening requires personal attendance.
Data requirements | Process customer identity and account information only in institution-authorized systems. Do not enter identity document images, account materials or customer information into unauthorized external tools.
Capability development | Build skills in identity verification and document review, explaining terms and handling objections, accurate system operation, and identifying and escalating abnormalities, beyond faster data entry.
Verifiable reference | In 2025, average annual wages for employees in urban nonprivate units in finance were RMB 211,164, compared with RMB 140,451 in urban private units in the same industry. Coverage includes legal entities in urban areas with 5 or more employees; individually owned businesses and freelancers are excluded.
Insufficient evidence: this review did not obtain nationwide Chinese occupational wages on a comparable basis. Industry averages do not support estimates for individuals or percentiles. Verify valid identity documents, intent to open an account and lawful agency relationships. Financial institutions bear due diligence, retention and reporting obligations; counter staff follow the current allocation of authorized responsibilities.
OEWS includes sales commissions, incentive pay and production bonuses, while excluding attendance bonuses, nonproduction bonuses and overtime premiums, among other items. Performance bonuses cannot all be treated as excluded. Employee wages exclude self-employment and partnership income and are not take-home pay.
Lower percentiles are not starting salaries for newcomers, and distribution data cannot be used to estimate individual take-home pay or after-tax income.
Scheduling, performance pay and commission structures at community banks, large bank branches, credit unions and telephone service centers affect actual income. Verify the specific institution, region and job level. US figures cannot be converted into individual income in mainland China.
Caution signal | You are mainly attracted by the financial industry but are unwilling to start with counter account opening and customer service or accept compliance boundaries and internal authorization constraints.
Verification method | Personality and interest labels cannot determine fit. Use fictional customer information to practice identity verification and document checklists, and obtain evaluation from experienced branch personnel in a compliant teaching or supervised training setting.
O*NET's 67% accuracy requirement and 27% extremely serious error consequences support the work context, not risk incidence. US FinCEN CDD must be read alongside 2026-R001; beneficial owners do not have to be reverified for every new account. China's enterprise licensing reform and anti-money laundering due diligence apply according to entity type. Controls are editorial recommendations; relevant departments and personnel retain legal / authorized responsibilities.
Account-opening frontline staff, supervisors and compliance and anti-money laundering personnel may all be affected. This review has no comparative evidence that less-experienced personnel face the highest risk and does not rank groups.
Possible consequences | Identity or document errors may cause account-opening failures, harm customer funds and rights, and result in regulatory penalties. Unidentified abnormal account openings may facilitate money laundering, telecommunications and online fraud or other illegal activities. Mishandling customer information creates data compliance and reputational risks.
On-the-job training and guided learning stage
Independently receive customers, verify identity and documents, enter account information and file records within the authorized scope; refer incomplete documents or abnormalities to a supervisor for judgment.
Independent processing and counter service stage
Complete product and compliance training under institutional rules, mastering explanations of terms and common objection handling for deposits, cards, term deposits and transfers.
Product and compliance training stage
Handle complex customers or basic corporate banking business, guide new colleagues, and participate in quality checks, service improvement and compliance self-inspections as arranged by the institution.
| Field 1 | Field 2 | Field 3 | Field 4 | Field 5 |
|---|---|---|---|---|
| Onboarding and guided learning stage | Learn account-opening document checklists, identity verification and system operations | Do not independently approve account openings or handle suspicious circumstances | Trainer evaluations and simulation records | Enter the independent processing stage |
| Independent processing stage | Independently receive customers, verify documents, enter information and file records | Process business within institutional authorization and limits | Account-opening files and error records | Handle complex customers and product explanations |
| Strengthening product and compliance knowledge | Master terms and objection handling for deposit, card and transfer products | Do not promise customers approval outcomes or returns | Product training and examination records | Participate in quality checks and self-inspections |
| Experienced contributor and collaboration stage | Guide new colleagues and participate in service and compliance improvement | Take responsibility for process improvement without relaxing regulatory requirements | Quality indicators and self-inspection records | Apply for positions with greater authorization within the branch |
| Positions with greater authorization | Handle basic corporate banking business or counter supervisor responsibilities | Requires additional institutional authorization and training | Authorization documents and rotation records | Continue developing along institutional pathways |
| Field 1 | Field 2 | Field 3 | Field 4 |
|---|---|---|---|
| Customer identity documents or materials are inconsistent | Defer processing and check originals and supporting materials against the checklist | The on-site supervisor confirms whether to proceed | Verification records and deferral explanations |
| A customer presses for rapid account opening or requests shortcuts | Explain real-name and verification requirements and maintain the complete process | The supervisor handles disputes | Communication records and resolution outcomes |
| An agency relationship cannot be verified, or another person may control the account | Ask about account-opening intent and escalate according to institutional procedures | Compliance or anti-money laundering personnel make the judgment | Inquiry records and reporting trail |
| Suspicious transactions or abnormal fund characteristics are identified | Submit internal leads through the authorization chain and retain records; the institution analyzes and reports externally as required by law | Anti-money laundering personnel handle the matter under the law | Report number and audit trail |
| Field 1 | Field 2 | Field 3 | Field 4 | Field 5 | Field 6 | Field 7 |
|---|---|---|---|---|---|---|
| Internal institutional role authorization | Determines the scope of independent account-opening and counter business | Granted by the institution according to role and product | Verify training, examination and limit requirements | Authorization does not equal successful completion of regulatory compliance training | Employing institution and branch supervisor | Verify role authorization and limits |
| Identity verification and document review training | Develop the ability to implement real-name requirements and review documents | Provided through the institution's training system | Verify product and procedural requirements | Training records do not imply permanent validity | Institutional training and compliance departments | Verify training and update requirements |
| Anti-money laundering and suspicious transaction reporting training | Understand customer due diligence and reporting obligations | Organized by institutional compliance or anti-money laundering departments | Verify regulatory requirements and institutional policies | Counter roles do not automatically hold external decision-making authority; verify specific compliance roles under institutional authorization | Compliance and anti-money laundering personnel | Verify training frequency and content |
| Chinese real-name requirements for individual accounts | Regulatory prerequisite for opening individual accounts in mainland China | Determined by People's Bank of China rules and institutional policies | Follow identity document and verification requirements | US rules cannot replace Chinese requirements | Regulators and the employing institution | Verify the latest regulatory documents |
| Organizational account approval or filing | Verify procedures separately by organizational entity and account category | Enterprise basic / temporary accounts follow filing under the 2019 reform; other organizations follow applicable approval requirements | Verify the depositor's entity type, account category and latest applicable rules | Counter staff do not decide approval outcomes | People's Bank of China and the employing institution | Verify account category and documents |
| Product and sales compliance requirements | Applicable boundaries for product explanations and recommendations | Determined jointly by institutional and regulatory rules | Verify product suitability and disclosure requirements | Do not promise returns or approval outcomes | Institutional compliance department | Verify product and sales standards |
Despite declining employment, there are 2,300 average annual replacement openings. The current original table does not break down causes. Self-service channels, branch adjustments and restructuring require separate institutional evidence; no verified shift of positions toward compliance is claimed.
Limitations | Macroeconomic projections do not guarantee individual hiring. Industry distribution and position structures do not establish authorization allocation, scheduling or performance arrangements at specific institutions.
The available evidence does not support a simple replacement conclusion: O*NET provides no generative AI adoption rate for this occupation. Its Hot Technologies list only employer-mentioned office software, with Microsoft Office software at 9%, Excel at 5% and Word at 2%. Total employment is indeed contracting, with a projected decline of 13% over 2024—2034, but the page provides no breakdown of causes. Identity verification, verification of account-opening intent, judgments on suspicious circumstances and sign-off responsibilities must still be handled by authorized personnel under institutional policies.
Standardized transactions and information processing are more likely to be replaced or assisted: self-service channels can handle counter transactions such as cash transactions and transfers, while tools can assist with document checklist verification, form field checks, drafts explaining terms and follow-up reminders. Humans must still verify versions and applicability; these functions cannot replace identity verification or confirmation of customer intent.
Verifying and accepting identity documents, confirming that account opening reflects the individual's own intent, judging whether materials are sufficient for processing, deciding to defer or escalate, identifying suspicious transactions, and explaining terms and risks to customers. Observable verification includes account-opening files traceable to verification actions and confirmation records, an escalation trail for abnormalities, and no steps omitted because of performance pressure.
The 2025 BLS OEWS data displayed by O*NET report a median annual wage of USD 47,670 and median hourly wage of USD 22.92 for the exact occupation 43-4141.00, with annual wage percentiles spanning USD 38,180—60,910. The survey excludes self-employment and partnership income and does not reflect sales commissions or performance bonuses; it does not represent individual take-home income. Mainland China has not published a corresponding national occupational wage distribution; this page shows only 2025 financial industry-section averages as a reference.
O*NET places this occupation in Job Zone 3, with SVP 6.0 to <7.0. The education survey reports 46% high school diplomas, 28% some college education and 15% post-associate certificates. BLS states that most financial clerk positions require a high school diploma and on-the-job training. Actual hiring conditions follow institutional announcements; product and compliance training is typically organized by institutions after onboarding.
O*NET's certification lookup page lists no national certification for this occupation. US account-opening and compliance operating permissions derive from internal institutional authorization, product training and customer due diligence procedures. In mainland China, individual bank settlement accounts must be opened under real names using personal identity documents, with identity verified; organizational accounts require approval or filing according to category. Financial institutions legally bear anti-money laundering obligations, and counter staff must not independently relax verification or skip due diligence.
Start with fictional customer information to practice account-opening document and verification checklists, and assess whether you can sustain repetitive verification and customer communication. Then verify the target institution's hiring conditions, training system and role authorization scope. The exercise does not constitute real account opening or a compliance conclusion and cannot replace institutional training or internal authorization.
Consider interests, practical circumstances and employment trends together: US employment in this occupation is projected to decline by −13% over 2024—2034, but there are still 2,300 average annual openings, primarily from replacement. If you value stable procedures and customer service and can accept compliance boundaries and repetitive tasks, continue verifying the target institution's training, authorization and rotation pathways. Public projections are only market signals and cannot replace personal decisions.
Chinese and US data are presented separately and cannot be substituted for one another. AI scenarios are not evidence of actual adoption. Paper exercises do not authorize real account opening, verification or approval.
All financial clerks combined: median annual wage of USD 49,990 in May 2025, employment of 1,144,900 in 2025, projected decline of 4% over 2025—2035, and approximately 88,000 average annual openings. Most positions require a high school diploma and on-the-job training.
U.S. Bureau of Labor Statistics
US
May 2025 wages and 2025—2035 outlook; accessed 2026-09-26
official occupational outlook
Broader occupation reference
Covers all financial clerk occupations without listing new accounts clerks separately; cannot be treated as the exact wage for this occupation.
2026-09-26
The CDD rule requires covered institutions to establish written policies and procedures to identify and verify customer identity; identify and verify the beneficial owners of legal entities opening accounts, including owners with holdings of 25% or more and one control person; understand the nature and purpose of customer relationships to develop risk profiles; and conduct ongoing monitoring and risk-based updates to customer information.
Financial Crimes Enforcement Network, U.S. Department of the Treasury
US
Current rules and exceptive relief ruling; accessed 2026-09-26
financial regulation
contextual
Applies to covered US institutions; does not allocate individual job responsibilities or establish Chinese account-opening requirements.
2026-09-26
Separately analyze technological capabilities, adoption evidence and job outcomes for each task and work context in O*NET 43-4141.00; these are not adoption rates, performance measures or replacement probabilities.
FermatMind editorial review
GLOBAL
current task analysis; reviewed 2026-09-26
editorial synthesis
Editorial synthesis
Editorial synthesis does not constitute evidence of adoption rates, performance or replacement probabilities.
2026-09-26
Provides 10 core tasks and 5 supplemental tasks, along with work activity and work context percentages; the same O*NET OnLine page as source-pack-onet-details.
O*NET OnLine
US
current page; accessed 2026-09-26
official occupation profile
Occupation-specific
US occupational scope; does not establish Chinese qualifications.
2026-09-26
Interest code CES; Job Zone 3 (SVP 6.0 to <7.0); education survey: 46% high school, 28% some college education and 15% post-associate certificates.
O*NET OnLine
US
current page; accessed 2026-09-26
official occupation summary
Occupation-specific
Interpret the summary together with the detailed occupational scope; contains no conclusions on Chinese qualifications.
2026-09-26
Employment of 38,900 in 2024, projected employment of 33,800 in 2034, growth of −13% (Decline), and 2,300 average annual openings.
O*NET OnLine / BLS
US
BLS 2024—2034 projections via O*NET; accessed 2026-09-26
official employment projection
Occupation-specific
Macroeconomic projections, not an individual's hiring probability. The decline is primarily driven by job automation and changes in branch structures; the page provides no breakdown of causes.
2026-09-26
Median hourly wage of USD 22.92 and median annual wage of USD 47,670; five annual wage percentile values of USD 38,180 / 43,920 / 47,670 / 55,100 / 60,910.
O*NET / U.S. Bureau of Labor Statistics
US
2025 BLS OEWS wage data displayed by O*NET OnLine; accessed 2026-09-26
official wage statistics
Occupation-specific
OEWS surveys wage and salary employees in establishments, excludes self-employment and partnership income, and does not represent individual take-home income.
2026-09-26
Bank settlement accounts are divided by depositor into organizational and individual bank settlement accounts. Individual bank settlement accounts are opened by depositors under their natural-person names using personal identity documents. Basic deposit accounts, temporary deposit accounts and special deposit accounts of budgetary entities are subject to approval. A depositor may open only one basic deposit account at a bank.
People's Bank of China (reproduced by the Ministry of Justice of the People's Republic of China)
CN
Promulgated 2003-04-10, effective 2003-09-01, amended 2020-04-29; accessed 2026-09-26
official regulation
Occupation-specific
Defines the basic framework for account opening and use; banks implement specific document and procedural requirements under current rules.
2026-09-26
Comprises 7 chapters and 65 articles. Requires financial institutions to establish customer due diligence systems, extend retention periods for customer identity information and transaction records, refine large-value and suspicious transaction reporting requirements, and address money laundering risks from new technologies, products and business activities.
Standing Committee of the National People's Congress (Chinese Government website)
CN
Revision adopted 2024-11-08, effective 2025-01-01; accessed 2026-09-26
national law
Occupation-specific
Defines financial institutions' anti-money laundering obligations; does not specify operating authorization for individual positions or establish an equivalent to US rules.
2026-09-26
O*NET's custom field combination for this occupation, used to verify consistent descriptions of the occupational code, tasks and work contexts.
O*NET OnLine
US
current page; accessed 2026-09-26
official custom occupation profile
Occupation-specific
Applies only to the listed O*NET occupation and US market; does not establish a Chinese mapping or legal authorization.
2026-09-26
Provides 10 core tasks and 5 supplemental tasks and work context percentages. It is the same O*NET OnLine page registered as onet-details; this entry corresponds to the tasks and work context sections.
O*NET OnLine
US
current page; accessed 2026-09-26
official occupation details
Occupation-specific
Applies only to the listed O*NET occupation and US market; contains no conclusions on Chinese practice qualifications or wages.
2026-09-26
5 employer-mentioned software products: Microsoft Office software 9% (In Demand), Microsoft Excel 5%, Microsoft Word 2%, Microsoft PowerPoint below 1%, and Microsoft SharePoint with its percentage unavailable.
O*NET OnLine
US
current page; accessed 2026-09-26
official technology profile
Occupation-specific
Employer mentions do not establish proficiency, generative AI adoption rates or the extent of automation.
2026-09-26
Finance and insurance 97%, other industries 3% (2024).
O*NET OnLine
US
2024 industry distribution; accessed 2026-09-26
official industry distribution
Occupation-specific
Industry distribution does not establish branch formats, authorization allocation or compensation structures at specific institutions.
2026-09-26
The page lists no national certification for this occupation.
O*NET OnLine
US
current page; accessed 2026-09-26
official certification discovery
Occupation-specific
Absence from the page does not mean employers do not require internal authorization or product training. The certification lookup does not confer any practice permissions.
2026-09-26
The page is a tool for searching relevant degree and certificate programs by state or ZIP code and does not provide a separate entry requirement statement for this occupation.
O*NET OnLine
US
current page; accessed 2026-09-26
official training program discovery
Occupation-specific
A program list is not equivalent to job entry, institutional authorization or compliance training requirements.
2026-09-26
Requires banks opening individual bank accounts to verify identity information, identity document validity, consistency between the applicant and identity document, and intent to open the account. Banks must not open accounts for unidentified persons or anonymous or fictitious-name accounts. It also lists the scope of valid identity documents and supplementary identity materials.
People's Bank of China
CN
Published in 2015; accessed 2026-09-26
official regulatory notice
Occupation-specific
Defines real-name and verification requirements for individual accounts; implementation follows current bank policies and the latest regulatory documents.
2026-09-26
Financial industry section: RMB 211,164 / year in urban nonprivate units and RMB 140,451 / year in urban private units.
National Bureau of Statistics
CN
2025 data, released 2026-05-15; accessed 2026-09-26
official industry wage statistics
Industry reference
Average wages for an industry section, without separate figures for new accounts clerks or bank tellers; the survey excludes individually owned businesses and freelancers.
2026-09-26
BLS43-4141, United States 2025—2035: employment of 37,900→35,500, a decline of 6.5%, with 2,300 average annual openings, mainly from replacement. These figures do not represent current recruitment, Chinese demand or AI causality.
BLS2025—2035 occupational projections
US
2025—2035
official
Occupation-specific
Limited to the specified geography, entities and activities; not evidence of hiring or individual authorization
2026-10-11
OEWS includes sales commissions, incentive pay and production bonuses, while excluding attendance bonuses, nonproduction bonuses and overtime premiums, among other items. Performance bonuses cannot all be treated as excluded. Employee wages exclude self-employment and partnership income and are not take-home pay.
BLS OEWS statistical definitions
US
Current
official
contextual
Limited to the specified geography, entities and activities; not evidence of hiring or individual authorization
2026-10-11
China's 2019 reform removed enterprise bank account licensing: basic and temporary deposit accounts of domestic corporate legal entities, unincorporated enterprises and individually owned businesses moved from approval to filing. Government bodies, public institutions and other organizations follow applicable rules; do not claim that licensing was removed for all organizational accounts.
Decision to cancel enterprise bank account licensing
CN
Effective in 2019
official
contextual
Limited to the specified geography, entities and activities; not evidence of hiring or individual authorization
2026-10-11
Institutions may elect relief from verifying beneficial owners for each new account, but verification remains required initially, when reliability is in doubt or when risk-based procedures require it. Other obligations remain.
FIN-2026-R001
US
2026
official
contextual
Limited to the specified geography, entities and activities; not evidence of hiring or individual authorization
2026-10-11
Defines institutional due diligence, risk measures and retention requirements; not every item is independently decided by counter staff.
2025 No. 11 Customer Due Diligence Measures
CN
Effective 2026-01-01
official
contextual
Limited to the specified geography, entities and activities; not evidence of hiring or individual authorization
2026-10-11
Identity information and transaction records are generally retained for at least ten years, and suspicious transaction reports are confidential. Business departments and personnel fulfill obligations according to their responsibilities.
Official reproduction of the Anti-Money Laundering Law revised in 2024
CN
Effective 2025-01-01
official
contextual
Limited to the specified geography, entities and activities; not evidence of hiring or individual authorization
2026-10-11