Updated · 2026 tax rules · Data: IRS, BLS, BEA, HUD · How we calculate

Financial Risk Specialist Salary

Financial Risk Specialists earn a median $117,330 a year nationally. Business and Financial Operations Occupations

U.S. median
$117,330
$56.41 per hour
Range
$64,820 – $196,110
10th to 90th percentile
Employed
63,850
across the U.S.
▲10.7%
Pay trend: The median for financial risk specialists in the U.S. rose from $106,000 (May 2024) to $117,330 (May 2025). That beat inflation (2.4%), a real raise of about 8.3%.

What financial risk specialists do

Analyze and measure exposure to credit and market risk threatening the assets, earning capacity, or economic state of an organization. May make recommendations to limit risk.

Typical education
Bachelor's degree
Work experience
None required
On-the-job training
None
Job outlook, 2025–35
+7.4% (faster than average)
Openings per year
4,800

Employment of financial risk specialists is projected to grow 7.4% from 2025 to 2035, faster than the 3.5% average for all occupations. About 4,800 openings are expected each year, on average, including jobs left by workers who retire or switch careers.

Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.

Financial Risk Specialist take-home pay calculator

Starts at the national median. Pick your state to see your real paycheck.

Financial Risk Specialist
Deductions, kids & local tax

2026 tax year. Federal brackets from IRS Rev. Proc. 2025-32.

Your take-home pay
$91,372
per year · effective tax rate 22.1%
$7,614Monthly
$3,807Twice a month
$3,514Every 2 weeks
$43.93Hourly
  • Federal income tax$16,983
  • Social Security (6.2%)$7,274
  • Medicare (1.45%)$1,701
  • Texas income tax$0
  • Take-home pay$91,372

Marginal rate: 22% federal + 0.00% state

Pay by experience

PercentileSalaryHourlyTake-home (no state tax)
10th percentile (entry level)$64,820$31.16$54,263
25th percentile$83,980$40.38$67,910
Median (50th)$117,330$56.41$91,372
75th percentile$158,250$76.08$119,430
90th percentile (top earners)$196,110$94.28$146,027

Best cities for financial risk specialists (after tax & cost of living)

#Metro areaMedianTake-homeReal value*Jobs
1New York, NY$139,670$99,530$88,42212,770
2Chicago, IL$105,370$77,887$75,1842,360

*Take-home pay in U.S.-average dollars (BEA Regional Price Parities).

Highest-paying cities

Financial Risk Specialist salary by state

StateMedian1-yr changeTake-homeRangeJobs
New Hampshire $158,320+49.6%$119,478 $82,480 – $160,060300
Maine $141,020+25.8%$99,066 $64,410 – $149,990—
Delaware $139,440+7.2%$98,711 $80,810 – $178,5701,160
New York $136,830−1.1%$97,757 $84,550 – $220,26012,060
North Carolina $132,040+23.3%$96,756 $70,440 – $207,8203,200
Massachusetts $130,400+9.6%$94,094 $71,390 – $209,2001,440
New Jersey $129,220+5.1%$93,547 $81,230 – $199,0302,760
California $129,110+15.7%$90,057 $76,610 – $208,3605,740
Virginia $126,510+11.7%$91,275 $77,080 – $191,7201,770
Washington $123,150+12.1%$95,439 $64,120 – $184,630900
Colorado $120,300+16.3%$88,876 $75,460 – $174,7701,050
Wyoming $119,550+3.3%$92,933 $101,370 – $119,550170
Maryland $117,130+11.2%$86,004 $73,330 – $172,410890
Connecticut $113,990+7.6%$84,328 $75,080 – $208,790660
Oregon $109,580−3.8%$77,161 $64,720 – $158,250430
Iowa $105,680+6.8%$79,812 $71,230 – $167,770530
Minnesota $105,420−1.4%$77,348 $72,930 – $161,8801,190
Rhode Island $104,470+6.6%$78,964 $59,290 – $186,580450
Illinois $104,300+6.0%$77,187 $65,260 – $202,2602,920
Michigan $103,940+3.5%$77,785 $60,400 – $165,4101,150
Texas $103,760+8.0%$81,825 $64,250 – $159,2204,780
Pennsylvania $103,040+2.8%$78,155 $64,700 – $172,8202,370
Arizona $102,800+11.2%$78,789 $57,400 – $165,8801,700
Montana $100,920—$75,486 $82,000 – $133,50050
Missouri $100,620+7.3%$75,824 $60,850 – $162,1401,070
Georgia $100,570−6.6%$74,984 $38,550 – $167,7902,180
Nevada $100,010+19.6%$79,187 $65,000 – $169,040570
Florida $99,900−0.8%$79,110 $58,080 – $172,5503,770
South Carolina $99,520+21.1%$74,028 $59,580 – $167,820560
Indiana $99,250+0.4%$75,754 $52,780 – $159,050380
District of Columbia $99,230−13.4%$73,172 $82,960 – $204,930210
Ohio $98,650+1.6%$76,300 $62,710 – $163,2102,110
Wisconsin $97,820+4.5%$73,842 $64,630 – $141,030610
Mississippi $96,100—$73,324 $51,780 – $198,880230
West Virginia $94,350+5.0%$71,592 $56,050 – $137,66050
Nebraska $94,280+9.3%$71,746 $58,190 – $124,750250
Tennessee $90,950+17.0%$72,813 $57,270 – $154,490540
Hawaii $89,860+7.4%$66,747 $61,740 – $134,99090
New Mexico $87,260+8.8%$67,273 $59,170 – $132,870180
Alaska $85,370−32.3%$68,888 $55,860 – $131,73050
Oklahoma $85,140+2.9%$65,440 $50,630 – $139,930330
Kansas $84,790+11.0%$64,548 $47,430 – $208,040150
Alabama $81,750−1.4%$62,519 $39,640 – $141,000180
South Dakota $78,960+10.2%$64,378 $70,310 – $148,750130
Utah $77,770−1.5%$61,008 $57,250 – $135,360630
Idaho $76,870+6.2%$59,942 $51,310 – $135,780270
Kentucky $74,640−7.4%$58,844 $48,310 – $107,800500
North Dakota $74,630+6.6%$61,136 $50,320 – $149,82090
Arkansas $66,110−14.7%$52,934 $47,860 – $140,050150
Louisiana $58,440+6.2%$47,770 $48,660 – $82,760520

Related jobs

JobMedian salaryEducationGrowth 2025–35
Personal Financial Advisor$105,070Bachelor's degree+1.4%
Financial and Investment Analyst$102,740Bachelor's degree+7.2%
Insurance Underwriter$81,370Bachelor's degree-3.8%
Financial Examiner$94,160Bachelor's degree+9.3%
Budget Analyst$91,640Bachelor's degree+1.9%
Accountant and Auditor$83,680Bachelor's degree+5.0%
Credit Analyst$83,510Bachelor's degree-4.3%
Financial Specialists, All Other$81,100Bachelor's degree+4.1%
Loan Officer$76,690Bachelor's degree+1.1%
Property Appraiser and Assessor$67,960Bachelor's degree+3.5%

Frequently asked questions

How much does a financial risk specialist make?

The national median salary for financial risk specialists is $117,330 a year ($56.41 an hour). The lowest-paid 10% earn under $64,820 and the top 10% earn over $196,110. Source: BLS, May 2025.

Which state pays financial risk specialists the most?

New Hampshire has the highest median pay at $158,320. After taxes and local prices, New York, NY offers the best real take-home pay of any metro area.

How many financial risk specialists are there in the U.S.?

About 63,850 people work as financial risk specialists nationwide.