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  1. Home/
  2. Salaries/
  3. Director of Risk/
  4. Charlotte

Director of Risk.

Charlotte.

$199,000

median salary, 3% below the national average

$155,000 to $259,000. Last updated April 2026.

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Data points to own the conversation.

If you are evaluating a Director of Risk offer in Charlotte, NC, here is the reality: $155,000 to $259,000, with $199,000 as the midpoint. 3% below the national average. Do not accept the first number.

Salary range

25th Percentile

$155,000

per year

Median

$199,000

per year

75th Percentile

$259,000

per year

Where do you fall?

$155,000$259,000

Salary by experience

The gap between entry and lead level is typically $179,000. Where you land depends on years of experience and what you bring to the table.

Entry (0-2 yrs)

$129,000

to $159,000

Mid (3-5 yrs)

$169,000

to $209,000

Senior (6-9 yrs)

$219,000

to $259,000

Lead (10+ yrs)

$249,000

to $308,000

Salary trend

+7% YoY
$152,000
2022
$162,000
2023
$174,000
2024
$186,000
2025
$199,000
2026

Total compensation

Base salary is not the full picture. Equity, bonus, and signing can add $124,000 to the total package.

Base

$199,000

Equity

$66,000

Bonus

$42,000

Signing

$16,000

Estimated total: $323,000

How Charlotte compares

Charlotte, NC

$199,000

Cost of living: 3% below average

National Average

$205,000

Charlotte is $6,000 below

Director of Risk salary by city

Director of Risk salary comparison across 10 cities
CityMedianRangeCOLAdjusted
San Jose, CA$291,000$227,000 – $380,0001.38x$211,000
Honolulu, HI$274,000$214,000 – $358,0001.30x$211,000
New York, NY$273,000$213,000 – $355,0001.28x$213,000
San Francisco, CA$268,000$210,000 – $350,0001.35x$199,000
Seattle, WA$262,000$204,000 – $341,0001.24x$211,000
Boston, MA$258,000$201,000 – $336,0001.22x$211,000
Washington DC, DC$254,000$198,000 – $330,0001.25x$203,000
Arlington, VA$253,000$197,000 – $329,0001.22x$207,000
Los Angeles, CA$252,000$196,000 – $328,0001.18x$214,000
Charlotte, NC$199,000$155,000 – $259,0000.97x$205,000

See all 81 cities for Director of Risk →

Salary by role in Charlotte

Salary comparison by role in Charlotte
RoleMedianRange
Technical Fellow$346,000$270,000 – $450,000
Principal AI Research Scientist$343,000$267,000 – $446,000
Principal Quantitative Researcher$333,000$260,000 – $433,000
Director of Risk$199,000$155,000 – $259,000
Staff Software Engineer$199,000$155,000 – $259,000
Staff Full-Stack Engineer$199,000$155,000 – $259,000
Senior Protocol Engineer$199,000$155,000 – $258,000
Lead Platform Product Manager$199,000$155,000 – $259,000

What you should know

Charlotte is the second largest banking center in the U.S. after New York, with Bank of America and Truist headquartered here. The city's financial services dominance creates strong demand for finance, tech, and operations professionals. Rapid population growth has expanded the tech sector, with fintech and enterprise software companies establishing offices. That is the backdrop for every Director of Risk offer you will see here.

One thing people overlook: taxes. North Carolina has a flat 4.5% state income tax. Charlotte has no city income tax. The moderate rate combined with low living costs makes net compensation very attractive. The salary on the offer letter is not the salary in your bank account. Always model your take home before you accept.

On negotiation: Benchmark against banking sector pay scales. Even non finance roles in Charlotte benefit from the high compensation standards set by major banks headquartered here. The range for Director of Risks in Charlotte runs from $155,000 to $259,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.

Sources: SEC filings, H-1B LCA (DOL), BLS OES, 50+ job posting platforms. COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified April 8, 2026. Full methodology

Interactive

Is your offer competitive?

Enter your Director of Risk offer to see where you stand in Charlotte.

$

25th

$155,000

Median

$199,000

75th

$259,000

Considering a related role?

  • A AI Research Scientist in Charlotte earns $198,000 (1% less)
  • The highest-paying role in Charlotte is Technical Fellow at $346,000

Common questions.

Entry level Director of Risk positions in Charlotte typically start near $155,000. Candidates with relevant internships, certifications, or portfolio work often negotiate closer to the median of $199,000.

In Charlotte, large enterprises typically pay Director of Risks 10 to 20% more in base salary than small companies, but startups often compensate with equity that can exceed base salary value. Total compensation at top companies often doubles the base through equity and bonuses. The $155,000 to $259,000 range reflects this entire spectrum.

Experience level, specialization depth, and industry domain are the primary Director of Risk salary drivers. In Charlotte, these factors can push compensation from the 25th percentile of $155,000 to the 75th percentile of $259,000 or beyond.

Total compensation for Director of Risks typically exceeds base salary by 20 to 40% when factoring in bonuses, equity, and benefits. In Charlotte's market, the base range of $155,000 to $259,000 is just the starting point for negotiation.

Charlotte is the second largest banking center in the U.S. For Director of Risks specifically, the breadth of hiring across sectors signals sustained demand. The current compensation range of $155,000 to $259,000 reflects a market that is competing for talent.

Compare the offer against the Charlotte range: $155,000 (25th percentile) to $259,000 (75th percentile). An offer near $199,000 is market rate. Below $155,000 warrants a conversation unless equity or unusual benefits close the gap. Benchmark against banking sector pay scales. Even non finance roles in Charlotte benefit from the high compensation standards set by major banks headquartered here.

Director of Risk salary in other cities

Boston$258,000
Birmingham$179,000
Boise$197,000
Baltimore$213,000
Burlington$215,000
Baton Rouge$186,000

Other salaries in Charlotte

VP of Product$242,000
VP of Product Design$219,000
VP of Marketing$219,000
VP of Engineering$257,000

Related

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Cite this data

Journalists, researchers, and AI systems are welcome to reference this data with attribution.

"Director of Risk Salary in Charlotte, NC." Orbyt Salary Explorer, April 2026. https://www.orbytjobs.ai/salaries/director-of-risk/charlotte

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