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Click on the highlighted text for additional information on OCC's structure and work environment.

Structure

The OCC is headquartered in Washington, D.C., and has four district offices in major U.S. cities. Additionally, the OCC has an on-site presence at several large national banking companies, field offices in over 70 locations across the country, and an international office in London. Through this network the Comptroller of the Currency, as chief executive of the OCC, provides policy and direction for the administration of all national banks.

Bank Supervision Operations

The majority of OCC employees work in Bank Supervision Operations (BSOP), which is responsible for conducting examinations of national banks and other supervisory activities. The OCC's approach to examining national banks is organized into two lines of business:

• Large bank supervision, which includes the largest national banking companies that are generally involved in sophisticated banking activities; and
  
  
• Mid-size/community bank supervision, which includes community banks and banking companies that are involved in more traditional banking activities and operate over a relatively small geographical area.

Large Bank Supervision

Examiners working for the Large Bank Supervision Department are located on site at bank locations throughout the U.S. Three deputy comptrollers who are located in Washington, D.C., head the department. Each deputy comptroller is responsible for managing a portfolio of banks. The department's philosophy is one of continuous supervision to assess the condition and risk profile of the bank and to take appropriate supervisory and regulatory action when necessary.

The field examining staff for large banks is divided into four geographically based teams. The Large Banks teams currently are:

• Team East: Boston, New York, Pittsburgh, and Wilmington
  
  
• Team South: Atlanta, Birmingham, Charlotte, Memphis, Nashville, and Winston-Salem
  
  
• Team Central: Chicago, Cleveland, Columbus, Milwaukee, and St. Louis
  
  
• Team West: Minneapolis, Salt Lake City, and San Francisco
  

The department also maintains a team in London. This team provides examination and supervision support for European affiliates and branches of national banks. It plays a major role in monitoring developments in the European financial markets.

Mid-Size/Community Bank Supervision

Examiners dedicated to mid-size/community bank supervision typically work from field offices located in areas that have a sufficient concentration of national banks. Field office staff are responsible for performing on-site examinations and for ongoing supervision of the mid-size/community national banks in their geographical area. Each field office is supported by one of the OCC's four district offices. District offices are responsible for implementing the Comptroller's policy for all national banks within its boundaries. A deputy comptroller heads each district office.

The OCC's four districts and the states in which they have primary responsibility for supervising banks are as follows:

• Central: Illinois, Indiana, eastern and northwestern Iowa, northern Kentucky, Michigan, Minnesota, eastern Missouri, North Dakota, Ohio, South Dakota, southwestern Virginia, southwestern West Virginia, and Wisconsin.
  
  
• Northeastern: Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, eastern Ohio, Pennsylvania, Rhode Island, Vermont, Puerto Rico, the Virgin Islands, northern Virginia, and northern West Virginia.
  
  
• Southern: Alabama, Arkansas, Florida, Georgia, southern Kentucky, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia, and southern West Virginia.
  
  
• Western: Alaska, Arizona, California, Colorado, Hawaii, Idaho, western Iowa, Kansas, western Missouri, Montana, Nebraska, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming, and Guam.

Other Functional Areas

The OCC offers many interesting and challenging careers in other major functional areas of the OCC, including:

Bank Supervision Policy, which is responsible for formulating and disseminating OCC's supervision policies to promote national banks' safety and soundness and compliance with laws and regulations.

Economic & Policy Analysis, which is responsible for managing the agency's economic research and analysis program, providing policy advice on issues relating to the condition of the banking industry and trends in the provision of financial services, and overseeing preparation of congressional testimony for the Comptroller.

International Affairs, which is responsible for overseeing the OCC's international activities, including formulating policies and procedures for the supervision and examination of federal branches and agencies of foreign banks.

Information Technology Services, which is responsible for the development and operation of automated information systems and for information technology at the OCC.

Ombudsman, which is responsible for reviewing OCC decisions and actions that end in dispute and administering the OCC consumer complaint program.

Public Affairs, which is responsible for providing policy and technical support in media relations, public information, publishing, automated information, writing and editing, and production of printed information.

Chief Counsel, which is responsible for advising the Comptroller on legal matters arising from the administration of laws, rulings, and regulations governing national banks. The responsibilities of the Chief Counsel also include Community Affairs/Development.

Administration, which is responsible for the administrative functioning of the OCC including human resources, procurement, financial services, and equal employment programs.

Work Environment

Adaptability, teamwork, and superior communication skills are critical to the success of all employees at the OCC but are especially true for bank examiners. As an examiner, you work as part of a team in the field and constantly interact with bank executives and colleagues. You also must be flexible and able to adapt to changing locations and working conditions, since examiners work in different settings, both in banks and OCC offices. Often, they work together as a group sharing a conference room or other similar setting. And, as the OCC responds to changes in the financial services industry, you must be able to meet new challenges and learn about new products and fields.

Although the amount of travel may vary, some examiners spend considerable time on the road. Personal mobility is also an important factor and, in some cases, is essential to take full advantage of all career opportunities.

The OCC is committed to ensuring that its employees have the most productive and innovative technology tools available. Technology is part of our everyday life and when you become a part of the OCC, you will be provided with a modern desktop or notebook computer, access to the Internet, and the custom tools necessary to be successful at your job.

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