Risk analysis

The Three Questions

A test you can run on any task in under a minute, and why it beats every list of 'jobs AI will replace.'

My Career Crusader9 min read1,023 words

Most advice about AI exposure is delivered at the level of the occupation, which makes it useless the moment you try to apply it. You need something you can point at a specific task on a specific Tuesday. Here is a test that works. Three questions, asked in order. It is not perfect and it will not settle every case, but it sorts the vast majority of white-collar work correctly, and it has the advantage of being something you can actually hold in your head.

One: is the output checkable? Not "is it correct" — is it checkable. Can someone look at the finished thing and tell whether it is right, quickly and cheaply? A summary of a document is checkable. Someone reads the document and the summary and knows within a minute. A monthly reconciliation is checkable: the numbers agree or they don't. A translated paragraph is checkable by anyone who speaks both languages. Now consider a piece of work that is not checkable. Advice about whether to restructure a team. A judgement about which of two suppliers is more likely to be a problem in eighteen months. A decision to escalate something, or not to. You cannot look at these and grade them. You find out whether they were right much later, if at all, and by then a dozen other things have happened.

Checkability matters because it is what makes automation economically safe. If the output is instantly verifiable, an organisation can deploy a machine, spot-check it, and accept a small error rate. If verifying the output costs as much as producing it, the automation saves nothing.

This single question does most of the sorting. It is also why the standardised, well-defined, high-volume parts of professional work went first. They were the checkable parts.

Two: who is accountable when it is wrong?

Every piece of work has someone whose name is attached when it fails. Sometimes that is a formality. Sometimes it is a regulator, a licence, a court, or a client who will sue.

Where accountability is real and personal, automation slows down enormously — not because the machine cannot do the task, but because no organisation has worked out how to put a machine's name on the line. A pharmacist signs. An engineer stamps a drawing. An auditor signs an opinion. A doctor's name is on the chart. In each of these, the machine may well do the substantive work, but a licensed human is still required to own it, and that requirement is written into law rather than into a workflow. This produces a specific and slightly awkward outcome: the person's role shifts from producing the work to being accountable for it. That is a genuinely different job, it is often less interesting, and it is much harder to remove. Ask the question honestly about your own tasks. For a lot of work, the honest answer is "nobody, really" — if it is wrong, it gets corrected and life continues. That work is more exposed than work of identical difficulty where a mistake creates liability.

Three: does the context live in a system, or in someone's head? This is the one people underrate, and it is frequently the difference between two apparently identical roles. Some tasks operate entirely on information that exists in retrievable form. The contract is in the system. The transaction history is in the system. The specification is in the document. Everything needed to do the work is written down somewhere. Other tasks depend on context that has never been written down and probably never will be. Why this client gets an exception. What the last three people in this role learned the hard way. Which of two conflicting policies is the one that is actually enforced. Who to call when the official process stalls. Undocumented context is protective in a way that is easy to dismiss as trivial and isn't. It is not that a machine could not in principle use this information. It is that the information does not exist in any form a machine can reach, and getting it there requires someone to notice it, articulate it, and write it down — which almost never happens, because the people who hold it do not experience it as knowledge. They experience it as just knowing how things work.

Running the test Take a task. Answer the three questions.

Checkable, nobody accountable, context all in systems: that task is exposed, and probably already being automated somewhere by someone. Do not build your position on it, however good at it you are. Not checkable, real accountability, context in people's heads: that task holds, and will keep holding for longer than the discourse suggests. Get more of it.

Most tasks land somewhere in the middle, and the middle is where the interesting decisions are. A task that is checkable but carries genuine liability tends to survive in modified form — the human stops producing and starts reviewing, which is a smaller job but a real one. A task that is unverifiable but where nobody is accountable and everything is written down tends to get absorbed quietly, because there is no friction stopping it.

What the test is not It does not tell you about timing. A task can be clearly exposed and still take five years to actually change, because your employer is slow, or the systems don't integrate, or nobody has the budget. Plenty of highly automatable work is still being done by hand for entirely mundane organisational reasons. It also does not tell you about your industry's structure. A task can be safe in a regulated market and gone in an unregulated one. The same work is more protected inside a bank than inside a startup, which is one of the few genuine advantages of working somewhere slow. What it does give you is a way to look at your own week and sort it without waiting for someone to publish a study about your occupation. That study, when it arrives, will be about job titles. You will already know something more useful.

one you should be actively trading away rather than defending.

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