Risk Analyst.
Ann Arbor.
$95,000
median salary, at the national average
$72,000 to $125,000. Last updated April 2026.
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Data points to own the conversation.
A Risk Analyst in Ann Arbor earns a median of $95,000 in 2026. That is right at the national average. The range runs from $72,000 to $125,000, and where you land depends on your experience, your skills, and how well you negotiate. Risk domain specialization and quantitative skill depth drive salary variance.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $85,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$62,000
to $76,000
Mid (3-5 yrs)
$81,000
to $100,000
Senior (6-9 yrs)
$105,000
to $124,000
Lead (10+ yrs)
$119,000
to $147,000
Salary trend
+3% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $25,000 to the total package.
Base
$95,000
Equity
$14,000
Bonus
$9,000
Signing
$2,000
Estimated total: $120,000
How Ann Arbor compares
Ann Arbor, MI
$95,000
Cost of living: 2% above average
National Average
$95,000
Same as local rate
Risk Analyst salary by city
Salary by role in Ann Arbor
What you should know
Here is what the Risk Analyst market actually looks like in Ann Arbor. Ann Arbor is a top-tier research hub anchored by the University of Michigan. The city has a thriving startup ecosystem, strong automotive R&D presence, and growing AI and robotics sector. Toyota, Google, and numerous autonomous vehicle companies have offices here. Risk domain specialization and quantitative skill depth drive salary variance. Market risk and credit risk analysts at large banks earn 15 to 25% more than operational risk analysts. Proficiency in Python, R, SAS, and Monte Carlo simulation techniques separates higher-paid analysts from those using primarily spreadsheet-based approaches.
Junior risk analysts start at $62,000 to $78,000. Mid-level risk analysts earn $85,000 to $115,000. Senior risk analysts and team leads reach $115,000 to $150,000. Risk managers earn $140,000 to $190,000, with chief risk officers at large institutions commanding $250,000 to $500,000. In Ann Arbor, cost of living sits near the national average, so the numbers you see are roughly what you keep.
Base salary is not the full picture. Annual bonuses of 10 to 25% are standard, with banking sector risk analysts earning the highest variable pay. Total compensation at bulge bracket banks can reach $130,000 to $180,000 for mid-level analysts. Some firms offer deferred compensation tied to risk management outcomes. And on the tax side: michigan has a flat 4.25% income tax. Ann Arbor has a city income tax of 1% for residents. The moderate combined rate is offset by the strong employer base and research ecosystem. When someone quotes you $95,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Leverage the autonomous vehicle and robotics corridor. Ann Arbor employers pay nationally competitive rates for AI, robotics, and automotive engineering talent. The range for Risk Analysts in Ann Arbor runs from $72,000 to $125,000. 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
Considering a related role?
- A HR Manager in Ann Arbor earns $96,000 (1% more)
- The highest-paying role in Ann Arbor is Distinguished Engineer at $330,000
Common questions.
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