Under the recent drastic changes and impacts from financial institutions, bank employees are the emerging groups who suffer the greatest degree of threats. Using bank employees throughout Tainan and Kaohsiung areas as the study sample, 359 valid questions were collected. The empirical results indicated the following: 1. The higher the individual awareness of external environment change, the higher the job insecurity; 2. Human resource practices are significantly related to job insecurity; 3. The higher the competencies, the lower the job insecurity; 4. Moderating effects of compencies were found in the relationship between HR responsive practices and job insecurity. Conclusions, recommendations, as well as limitations were also addressed in accordance with the results.