Risk Analyst.
Wilmington.
$94,000
median salary, 1% below the national average
$71,000 to $124,000. Last updated April 2026.
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Data points to own the conversation.
Risk Analyst pay in Wilmington ranges from $71,000 to $124,000 in 2026. The median is $94,000, 1% below the national average. Wilmington is a corporate law and financial services hub, home to most U. 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 $85,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$61,000
to $75,000
Mid (3-5 yrs)
$80,000
to $99,000
Senior (6-9 yrs)
$103,000
to $122,000
Lead (10+ yrs)
$118,000
to $146,000
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
$94,000
Equity
$14,000
Bonus
$9,000
Signing
$2,000
Estimated total: $119,000
How Wilmington compares
Wilmington, DE
$94,000
Cost of living: 2% above average
National Average
$95,000
Wilmington is $1,000 below
Risk Analyst salary by city
Salary by role in Wilmington
What you should know
Before you negotiate a Risk Analyst offer in Wilmington, understand the terrain. Wilmington is a corporate law and financial services hub, home to most U.S. credit card companies thanks to Delaware's favorable incorporation laws. The city's compact size belies its outsized role in banking, legal services, and corporate governance. Chemical and pharmaceutical companies also maintain a strong presence. 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 Wilmington, 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: delaware has a top income tax rate of 6.6% but no state sales tax. Wilmington has a city wage tax of 1.25%. The no sales tax benefit partially offsets the income tax burden. When someone quotes you $94,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Leverage Delaware's corporate density. Banks and legal firms here pay competitively to retain talent that might otherwise commute to Philadelphia or New York. The range for Risk Analysts in Wilmington runs from $71,000 to $124,000. 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 Account Executive in Wilmington earns $93,000 (1% less)
- The highest-paying role in Wilmington is Chief Data & AI Officer at $313,000
Common questions.
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