Risk Analyst Salary in 2025

Risk analysts play a crucial role in identifying, assessing, and mitigating financial and operational risks for organizations. With businesses facing ever-evolving uncertainties, the demand for skilled risk analysts is on the rise in 2025. This guide provides a comprehensive look into risk analyst salaries, influencing factors, experience-based breakdowns, benefits, and career prospects.

📊 Average Risk Analyst Salary in 2025

As of 2025, the average salary for a risk analyst in the United States is approximately $92,000 per year. However, actual compensation varies based on several key factors such as location, experience, industry, and certifications.

Entry-Level (0–2 years): $60,000 – $75,000
Mid-Level (3–5 years): $80,000 – $95,000
Senior-Level (6–10 years): $100,000 – $120,000
Lead or Manager-Level: $125,000 – $150,000+

🎯 Key Factors Influencing Salary

Several factors can impact a risk analyst’s earnings:

1. Experience

Professionals with more years in the field tend to earn significantly more.
Senior risk analysts often move into lead or strategy roles that come with higher pay.

2. Industry

Finance, tech, and healthcare offer the highest-paying roles.
Government and nonprofit sectors may pay less but offer better benefits and stability.

3. Location

Salaries are typically higher in cities like New York, San Francisco, Chicago, and Washington D.C.
Remote roles may offer competitive pay with lower cost-of-living advantages.

4. Certifications

Credentials such as FRM (Financial Risk Manager) or CFA (Chartered Financial Analyst) can add $10,000–$25,000+ to annual compensation.

5. Education

A bachelor’s degree in finance, economics, or statistics is often required.
Master’s degrees (e.g., MBA or MS in Risk Management) can elevate earning potential.

💼 Salary Comparison to Similar Roles

Penetration Tester (Pen Test Salary): $100,000–$130,000
SAP Consultant: $90,000–$140,000
Peloton Instructor Salary (Top-Tier): Can exceed $500,000 (not a traditional comparison but high-earning)
Navigator/Auxano Salary (Senior Lead): Varies, typically $110,000–$140,000

A $103,000 salary take-home in most U.S. states (after taxes) would be roughly $75,000–$80,000, depending on benefits, deductions, and state income tax.

📈 Job Outlook and Market Trends

The risk analyst profession is evolving rapidly:

Growing Demand: The rise of AI, cybersecurity threats, and regulatory frameworks are driving demand.
Job Stability: Financial institutions and insurers prioritize risk management, offering job security.
Remote Flexibility: Hybrid and remote roles are increasing, expanding opportunities geographically.

According to current projections, the job market for risk analysts is expected to grow by 6–8% by 2030, faster than the average for similar finance roles.

🎓 Certifications and Education That Boost Salary

Recommended Certifications:

FRM (Financial Risk Manager)
CFA (Chartered Financial Analyst)
CPA (Certified Public Accountant)
PRM (Professional Risk Manager)

Valuable Educational Paths:

Bachelor’s Degrees: Finance, Accounting, Statistics, Mathematics
Graduate Degrees: MBA, MS in Risk Management, Financial Engineering

✅ Benefits of a Risk Analyst Career

Competitive Salaries
Clear Career Progression
Diverse Industry Opportunities
Work-Life Balance (in many companies)
Strong Demand and Job Security

🔚 Final Thoughts

A career as a risk analyst in 2025 offers solid earning potential, job stability, and growth opportunities. With the right mix of education, experience, and certifications, professionals in this field can command salaries well above the national average. Whether you’re just starting out or eyeing a senior leadership position, the risk analyst role continues to be a smart career choice in today’s data-driven economy.