Financial Risk Specialists
Also called: Analyst, Bank and Savings Securities Trader, Bond Analyst, Business Risk Manager, Compliance Risk Manager, Corporate Securities Research Analyst, Credit Risk Analyst, Energy Risk Management Analyst
Analyze and measure exposure to credit and market risk threatening the assets, earning capacity, or economic state of an organization.
What financial risk specialists do
Typical tasks
- Analyze areas of potential risk to the assets, earning capacity, or success of organizations.
- Analyze new legislation to determine impact on risk exposure.
- Conduct statistical analyses to quantify risk, using statistical analysis software or econometric models.
- Confer with traders to identify and communicate risks associated with specific trading strategies or positions.
- Consult financial literature to ensure use of the latest models or statistical techniques.
- Contribute to development of risk management systems.
- Determine potential environmental impacts of new products or processes on long-term growth and profitability.
- Develop contingency plans to deal with emergencies.
- Develop or implement risk-assessment models or methodologies.
- Devise scenario analyses reflecting possible severe market events.
- Devise systems or processes to monitor validity of risk assessments.
- Document, and ensure communication of, key risks.
Typical path into the job (BLS)
Financial Risk Specialists salary
The median annual wage for financial risk specialists is $117,330 (BLS OEWS May 2025; BLS Employment Projections 2025–35, national). The lowest 10 percent earn less than $64,820 and the highest 10 percent earn more than $196,110. The mean annual wage is $124,420.
The mean hourly wage of $59.00 is 8.1× the federal minimum wage of $7.25. State minimums are higher in most large states. Minimum wage by state →
How does your pay compare with people your age?
Your numbers are not sent or stored. The comparison uses this occupation's BLS wage percentiles, adjusted for age with BLS median weekly earnings by age group (Q3 2026).
Pay by percentile
Annual wage percentiles from the BLS Occupational Employment and Wage Statistics (OEWS). Percentiles are a good proxy for pay by experience.
Projected pay for Financial Risk Specialists (3, 5 and 10 years)est.
Today $117,330 → in 3 years $127,700 → in 5 years $135,200 → in 10 years $155,700 (10-year range $133,900–$180,800). The model assumes pay growth of +2.9% per year.
What drives the annual growth rate
Projected pay = current pay × (1 + annual growth)^years. The annual growth rate starts from a base wage-growth rate and adds or subtracts labor demand (BLS projected employment growth), wage momentum and AI replacement risk for each occupation. Projections are not guarantees. How it is calculated →
Outlook score for Financial Risk Specialists
Each component is a percentile rank among all occupations in the same country (0–100). Weights: labor demand 25, wage momentum / openings 15, pay level 15, AI resistance 25, aging workforce 10 (Japan only), entry barrier 10.
Will AI replace Financial Risk Specialists? AI replacement risk
How AI is changing this job
A written analysis for this occupation is being prepared.
AI replacement risk compares the parts of a job that are easy to hand to AI or software (processing information, documentation, repetitive computer work) with the parts that are hard to automate (physical work, working closely with people, judgment in unpredictable settings), using O*NET work activities, work context, skills and knowledge. The result is a relative position among all occupations in the country, scaled to 0–100%. Methodology →
Labor demand for Financial Risk Specialists
Employment projections are from the BLS Employment Projections program (2025–35). Annual openings include both new jobs and replacement of workers who leave the occupation.
Skills, education and requirements for Financial Risk Specialists
Job Zone 4 — considerable preparation needed (O*NET)
Difficulty of entry: ★★★★☆ Demanding (from education, training, experience and Job Zone)
How to become financial risk specialists
A step-by-step guide for this occupation is being prepared. The education, training and experience data above show the typical path.
Career path and how to earn more as financial risk specialists
Career-path guidance is being prepared. Pay by percentile is shown in the Pay section.