Complex Risk Officer Salary in the United States

How much does a Complex Risk Officer make in the United States?

As of April 01, 2026, the average salary for a Complex Risk Officer in the United States is $95,381 per year, which breaks down to an hourly rate of $46.

However, a Complex Risk Officer's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $121,730
  • Majority Range (25th-75th percentile): $83,733 to $109,173
  • Entry-Level (10th percentile): $73,128
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View as table View as graph 25% $83,733 10% $73,128 90% $121,730 75% $109,173 $95,381 50%(Median) Didn’t find job title? Click

Complex Risk Officer Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $109,173 $9,098 $2,099 $52
Average $95,381 $7,948 $1,834 $46
25th Percentile $83,733 $6,978 $1,610 $40
Check out Complex Risk Officer Job Openings in the United States
Sr. AVP, Risk Officer - Specialty Finance

OhioX, Inc. - Columbus, OH

Senior Environmental Credit Risk Officer

JPMorgan Chase - Columbus, OH

Special Assets & Credit Risk Officer

Farmers Logo 2022 - Canfield, OH

Search More Complex Risk Officer Jobs in the United States

Key Factors That Influence Complex Risk Officer Salaries

A Complex Risk Officer's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education and company size can directly affect your earning potential.

How Experience Level Affects Complex Risk Officer Salaries?

Experience is a primary driver of a Complex Risk Officer's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Entry-Level (less than 1 year): $65,700
  • Early Career (1-2 years): $94,367
  • Mid-Level (2-4 years): $106,830
  • Senior-Level (5-8 years): $126,604
  • Expert (over 8 years): $140,568
Levels Salary
Credit Ri... Level Complex Risk Officer$65,700
Complex R... Level Complex Risk Officer$94,367
Credit Ri... Level Complex Risk Officer$106,830
Credit Ri... Level Complex Risk Officer$126,604
Credit Ri... Level Complex Risk Officer$140,568
$65,700 0 yr
$94,367 < 2 yrs
$106,830 2-4 yrs
$126,604 5-8 yrs
$140,568 > 8 yrs
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What Am I Worth?

How Do Complex Risk Officer Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Complex Risk Officers. For example, consider the average annual salaries in these key locations:

  • District of Columbia: $105,606.
  • California: $105,205.
  • Massachusetts: $103,803.

Top Paying Cities for Complex Risk Officers

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $120,304
  • San Francisco: $119,121
  • Oakland: $116,479

What Skills Can Increase a Complex Risk Officer's Salary?

Demanded Skills for the Role:

  • Risk Management (Mentioned in 15.84% Job Postings): Risk management is the identification, evaluation, and prioritization of risks (defined in ISO 31000 as the effect of uncertainty on objectives) followed by coordinated and economical application of resources to minimize, monitor, and control the probability or impact of unfortunate events or to maximize the realization of opportunities. Risks can come from various sources including uncertainty in financial markets, threats from project failures (at any phase in design, development, production, or sustainment life-cycles), legal liabilities, credit risk, accidents, natural causes and disasters, deliberate attack from an adversary, or events of uncertain or unpredictable root-cause. There are two types of events i.e. negative events can be classified as risks while positive events are classified as opportunities. Several risk management standards have been developed including the Project Management Institute, the National Institute of Standards and Technology, actuarial societies, and ISO standards. Methods, definitions and goals vary widely according to whether the risk management method is in the context of project management, security, engineering, industrial processes, financial portfolios, actuarial assessments, or public health and safety.
  • Financial Services Industry (Mentioned in 1.56% Job Postings): Financial services is a broad term used to describe the various offerings within the finance industry–encompassing everything from insurance and money management to payments and digital banking technology.
  • PowerPoint (Mentioned in 1.16% Job Postings): A computer software created by Microsoft which allows the user to create slides with recordings, narrations, transitions and other features in order to present information.
See More Skills
Skills Demand Percentage
Risk Management 15.84%
Financial Services Industry 1.56%
PowerPoint 1.16%
What skills can make your compensation higher?
Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on a Complex Risk Officer's salary.
  • Business Strategy: Can increase your salary by up to 11%.
  • Information Security: Can increase your salary by up to 9%.
  • Planning: Can increase your salary by up to 6%.
Skill Salary Salary % Increase
Business Strategy
$105,873
11%
Information Security
$103,965
9%
Planning
$101,104
6%
Transaction Processing
$101,104
6%
Investment Banking
$100,150
5%
Presentation
$100,150
5%
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How Education impacts a Complex Risk Officer's Salary?

Your level of education can impact your salary potential. While many Complex Risk Officers enter the field with a Bachelor's Degree degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Complex Risk Officer with a Bachelor's Degree is between $96,330 and $104,599).

Complex Risk Officer Salaries by Degree Level

Typical Education for Complex Risk Officer
Degree Level % of user with this level of education
No Diploma 5.9%
High School 35.3%
Associates 5.9%
Bachelors 35.3%
Masters 52.9%
Doctorate 5.9%
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Complex Risk Officer Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Complex Risk Officer's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

Last Updated on April 01, 2026

Salary Trends for Complex Risk Officer

Salaries for a Complex Risk Officer can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $77,772 in 2023 to around $77,116 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Complex Risk Officer salary trends, .

Average Annual Salary of Complex Risk Officer Over Time

2022
$???
2023
$77,772
2024
$77,871
2025
$77,116
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $77,772
2024 $77,871
2025 $77,116
2026
View More
2027
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Most common benefits for Complex Risk Officer

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Complex Risk Officer

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Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

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