Risk Analyst.
Jersey City.
$119,000
median salary, 25% above the national average
$90,000 to $156,000. Last updated April 2026.
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Data points to own the conversation.
Risk Analyst pay in Jersey City ranges from $90,000 to $156,000 in 2026. The median is $119,000, 25% above the national average. Jersey City has become a major financial technology hub, with Goldman Sachs, JP Morgan, and numerous fintech startups establishing offices. Every dollar in that range is negotiable if you come prepared.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $107,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$77,000
to $95,000
Mid (3-5 yrs)
$101,000
to $125,000
Senior (6-9 yrs)
$131,000
to $155,000
Lead (10+ yrs)
$149,000
to $184,000
Salary trend
+3% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $31,000 to the total package.
Base
$119,000
Equity
$18,000
Bonus
$11,000
Signing
$2,000
Estimated total: $150,000
How Jersey City compares
Jersey City, NJ
$119,000
Cost of living: 20% above average
National Average
$95,000
Jersey City is $24,000 above
Risk Analyst salary by city
Salary by role in Jersey City
What you should know
Before you negotiate a Risk Analyst offer in Jersey City, understand the terrain. Jersey City has become a major financial technology hub, with Goldman Sachs, JP Morgan, and numerous fintech startups establishing offices. The city offers Manhattan-adjacent salaries with slightly lower costs. Tech employment has surged as companies seek NYC-area talent at reduced overhead. 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 Jersey City, those numbers run higher. The cost of living here is 20% above average, and employers adjust to compete.
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: new Jersey's top income tax rate is 10.75%. Jersey City has a payroll tax but no separate city income tax. The high state rate makes salary negotiation especially important. When someone quotes you $119,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Benchmark against NYC salaries. Jersey City employers offer 90 to 95% of Manhattan pay, and the lower commuting costs can make it a net positive. The range for Risk Analysts in Jersey City runs from $90,000 to $156,000. 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 Chemical Engineer in Jersey City earns $118,000 (1% less)
- The highest-paying role in Jersey City is Technical Fellow at $437,000
Common questions.
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