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AML Analyst Average Salary in Germany 2023

How much money does an AML Analyst make in Germany?

Average Monthly Salary
5,780 EUR
( 69,400 EUR yearly)


A person working as an AML Analyst in Germany typically earns around 5,780 EUR per month. Salaries range from 2,660 EUR (lowest) to 9,200 EUR (highest).

This is the average monthly salary including housing, transport, and other benefits. AML Analyst salaries vary drastically based on experience, skills, gender, or location. Below you will find a detailed breakdown based on many different criteria.

AML Analyst Salary Distribution in Germany

Median and salary distribution monthly Germany AML Analyst
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The median, the maximum, the minimum, and the range

  • Salary Range

    AML Analyst salaries in Germany range from 2,660 EUR per month (minimum salary) to 9,200 EUR per month (maximum salary).

  • Median Salary

    The median salary is 6,250 EUR per month, which means that half (50%) of people working as AML Analyst(s) are earning less than 6,250 EUR while the other half are earning more than 6,250 EUR. The median represents the middle salary value. Generally speaking, you would want to be on the right side of the graph with the group earning more than the median salary.

  • Percentiles

    Closely related to the median are two values: the 25th and the 75th percentiles. Reading from the salary distribution diagram, 25% of AML Analyst(s) are earning less than 4,010 EUR while 75% of them are earning more than 4,010 EUR. Also from the diagram, 75% of AML Analyst(s) are earning less than 8,340 EUR while 25% are earning more than 8,340 EUR.

What is the difference between the median and the average salary?

Both are indicators. If your salary is higher than both of the average and the median then you are doing very well. If your salary is lower than both, then many people are earning more than you and there is plenty of room for improvement. If your wage is between the average and the median, then things can be a bit complicated. We wrote a guide to explain all about the different scenarios. How to compare your salary

AML Analyst Salary Comparison by Years of Experience

How does experience and age affect your pay?

Salary comparison by years of experience monthly Germany AML Analyst
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The experience level is the most important factor in determining the salary. Naturally the more years of experience the higher your wage. We broke down AML Analyst salaries by experience level and this is what we found.

An AML Analyst with less than two years of experience makes approximately 3,020 EUR per month.

While someone with an experience level between two and five years is expected to earn 4,030 EUR per month, 34% more than someone with less than two year's experience.

Moving forward, an experience level between five and ten years lands a salary of 5,960 EUR per month, 48% more than someone with two to five years of experience.

On average, a person's salary doubles their starting salary by the time they cross the 10 years* experience mark.
* Based on the average change in salary over time. Salary variations differ from person to person.

Additionally, AML Analyst(s) whose expertise span anywhere between ten and fifteen years get a salary equivalent to 7,270 EUR per month, 22% more than someone with five to ten years of experience.

If the experience level is between fifteen and twenty years, then the expected wage is 7,920 EUR per month, 9% more than someone with ten to fifteen years of experience.

Lastly, employees with more than twenty years of professional experience get a salary of 8,580 EUR per month, 8% more than people with fifteen to twenty years of experience.

AML Analyst average salary change by experience in Germany

0 - 2 Years
3,020 EUR
2 - 5 Years+34%
4,030 EUR
5 - 10 Years+48%
5,960 EUR
10 - 15 Years+22%
7,270 EUR
15 - 20 Years+9%
7,920 EUR
20+ Years+8%
8,580 EUR
Percentage increase and decrease are relative to the previous value

Typical Salary Progress for Most Careers

Salary Comparison By Experience Level
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AML Analyst Salary Comparison By Education

How do education levels affect salaries?

Displayed below is the average salary difference between different AML Analyst(s) who have the same experience but different education levels.

Salary comparison by education level monthly Germany AML Analyst
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We all know that higher education equals a bigger salary, but how much more money can a degree add to your income? We broke down AML Analyst salaries by education level in order to make a comparison.

When the education level is Certificate or Diploma, the average salary of an AML Analyst is 3,450 EUR per month.

While someone with a Bachelor's Degree gets a salary of 5,410 EUR per month, 57% more than someone having a Certificate or Diploma degree.

A Master's Degree gets its holder an average salary of 9,070 EUR per month, 68% more than someone with a Bachelor's Degree.

AML Analyst average salary difference by education level in Germany

Certificate or Diploma
3,450 EUR
Bachelor's Degree+57%
5,410 EUR
Master's Degree+68%
9,070 EUR
Percentage increase and decrease are relative to the previous value

Is a Master's degree or an MBA worth it? Should you pursue higher education?

A Master's degree program or any post-graduate program in Germany costs anywhere from 19,100 Euro(s) to 57,200 Euro(s) and lasts approximately two years. That is quite an investment.

You can't really expect any salary increases during the study period, assuming you already have a job. In most cases, a salary review is conducted once education is completed and the degree has been attained.

Many people pursue higher education as a tactic to switch into a higher paying job. The numbers seem to support the thoery. The average increase in compensation while changing jobs is approximately 10% more than the customary salary increment.

If you can afford the costs of higher education, the return on investment is definitely worth it. You should be able to recover the costs in roughly a year or so.

Typical Salary Difference by Education for Most Careers

Salary Comparison By Education Level
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AML Analyst Salary Comparison By Gender

Salary comparison by gender monthly Germany AML Analyst
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Though gender should not have an effect on pay, in reality, it does. So who gets paid more: men or women? Male AML Analyst employees in Germany earn 6% more than their female counterparts on average.

5,950 EUR
5,620 EUR
Percentage increase and decrease are relative to the previous value

Salary Comparison By Gender in Germany for all Careers

Salary comparison by gender monthly Germany
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AML Analyst Average Annual Salary Increment Percentage in Germany

How much are annual salary increments in Germany for AML Analyst(s)? How often do employees get salary raises?

AML Analyst

AML Analyst(s) in Germany are likely to observe a salary increase of approximately 12% every 16 months. The national average annual increment for all professions combined is 8% granted to employees every 16 months.

Annual Salary Increment Rate Germany AML Analyst
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The figures provided here are averages of numbers. Those figures should be taken as general guidelines. Salary increments will vary from person to person and depend on many factors, but your performance and contribution to the success of the organization remain the most important factors in determining how much and how often you will be granted a raise.

Germany / All Professions

The term 'Annual Salary Increase' usually refers to the increase in 12 calendar month period, but because it is rarely that people get their salaries reviewed exactly on the one year mark, it is more meaningful to know the frequency and the rate at the time of the increase.

How to calculate the salary increment percentage?

The annual salary Increase in a calendar year (12 months) can be easily calculated as follows: Annual Salary Increase = Increase Rate x 12 ÷ Increase Frequency

The average salary increase in one year (12 months) in Germany is 6%.

Annual Increment Rate By Industry 2022

Information Technology

Listed above are the average annual increase rates for each industry in Germany for the year 2022. Companies within thriving industries tend to provide higher and more frequent raises. Exceptions do exist, but generally speaking, the situation of any company is closely related to the economic situation in the country or region. These figures tend to change frequently.

Worldwide Salary Raises: All Countries and All Jobs

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AML Analyst Bonus and Incentive Rates in Germany

How much and how often are bonuses being awarded?Annual Salary Bonus Rate Germany AML Analyst
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An AML Analyst is considered to be a high bonus-based job due to the generally limited involvement in direct revenue generation, with exceptions of course. The people who get the highest bonuses are usually somehow involved in the revenue generation cycle.

13% of surveyed staff reported that they haven't received any bonuses or incentives in the previous year while 87% said that they received at least one form of monetary bonus.

Those who got bonuses reported rates ranging from 5% to 9% of their annual salary.

Received Bonus
No Bonus

Types of Bonuses Considered

Individual Performance-Based Bonuses

The most standard form of bonus where the employee is awarded based on their exceptional performance.

Company Performance Bonuses

Occasionally, some companies like to celebrate excess earnings and profits with their staff collectively in the form of bonuses that are granted to everyone. The amount of the bonus will probably be different from person to person depending on their role within the organization.

Goal-Based Bonuses

Granted upon achieving an important goal or milestone.

Holiday / End of Year Bonuses

These types of bonuses are given without a reason and usually resemble an appreciation token.

Bonuses Are Not Commissions!

People tend to confuse bonuses with commissions. A commission is a prefixed rate at which someone gets paid for items sold or deals completed while a bonus is in most cases arbitrary and unplanned.

What makes a position worthy of good bonuses and a high salary?

The main two types of jobs

Revenue GeneratorsSupporting Cast

Employees that are directly involved in generating revenue or profit for the organization. Their field of expertise usually matches the type of business.

Employees that support and facilitate the work of revenue generators. Their expertise is usually different from that of the core business operations.

A graphics designer working for a graphics designing company.

A graphic designer in the marketing department of a hospital.

Revenue generators usually get more and higher bonuses, higher salaries, and more frequent salary increments. The reason is quite simple: it is easier to quantify your value to the company in monetary terms when you participate in revenue generation.

Try to work for companies where your skills can generate revenue. We can't all generate revenue and that's perfectly fine.

Bonus Comparison by Seniority Level

Top management personnel and senior employees naturally exhibit higher bonus rates and frequencies than juniors. This is very predictable due to the inherent responsibilities of being higher in the hierarchy. People in top positions can easily get double or triple bonus rates than employees down the pyramid.

AML Analyst Average Hourly Wage in Germany

33 EUR per hour

The average hourly wage (pay per hour) in Germany is 33 EUR. This means that the average AML Analyst in Germany earns approximately 33 EUR for every worked hour.

Hourly Wage = Annual Salary ÷ ( 52 x 5 x 8 )

The hourly wage is the salary paid in one worked hour. Usually jobs are classified into two categories: salaried jobs and hourly jobs. Salaried jobs pay a fix amount regardless of the hours worked. Hourly jobs pay per worked hour. To convert salary into hourly wage the above formula is used (assuming 5 working days in a week and 8 working hours per day which is the standard for most jobs). The hourly wage calculation may differ slightly depending on the worked hours per week and the annual vacation allowance. The figures mentioned above are good approximations and are considered to be the standard. One major difference between salaried employees and hourly paid employees is overtime eligibility. Salaried employees are usually exempt from overtime as opposed to hourly paid staff.

AML Analyst VS Other Jobs

Salary Comparison Between AML Analyst and Banking monthly Germany
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The average salary for AML Analyst is 40% more than that of Banking. Also, Banking salaries are 9% more than those of All Jobs.

Salary comparison with similar jobs

Job TitleAverage Salary
AML Analyst5,780 EUR-0%
Assistant Bank Branch Manager4,780 EUR-17%
Assistant Bank Manager6,390 EUR+10%
ATM Manager5,300 EUR-8%
ATM Service Technician1,430 EUR-75%
Bank Accounts Analyst2,180 EUR-62%
Bank Accounts Controller2,640 EUR-54%
Bank Accounts Executive4,240 EUR-27%
Bank Accounts Manager4,830 EUR-16%
Bank Auditing Manager5,000 EUR-14%
Bank Branch Manager6,650 EUR+15%
Bank Clerk1,230 EUR-79%
Bank Compliance Specialist3,310 EUR-43%
Bank Manager8,000 EUR+38%
Bank Operational Risk Manager7,580 EUR+31%
Bank Operations Head7,680 EUR+33%
Bank Operations Officer2,980 EUR-48%
Bank Operations Specialist4,910 EUR-15%
Bank Process Manager4,370 EUR-24%
Bank Product Manager 4,790 EUR-17%
Bank Programme Manager5,220 EUR-10%
Bank Project Manager6,060 EUR+5%
Bank Propositions Manager5,710 EUR-1%
Bank Quantitative Analyst4,090 EUR-29%
Bank Regional Manager7,980 EUR+38%
Bank Regional Risk Officer4,220 EUR-27%
Bank Relationship Manager5,740 EUR-1%
Bank Relationship Officer2,710 EUR-53%
Banker2,790 EUR-52%
Banking Business Analyst4,090 EUR-29%
Banking Business Development Officer2,610 EUR-55%
Banking Business Planning Executive5,540 EUR-4%
Banking Product Manager4,960 EUR-14%
Banking Reference Data Manager4,330 EUR-25%
Banking Risk Analyst3,860 EUR-33%
Banking Technical Analyst2,040 EUR-65%
Bankruptcy Coordinator2,860 EUR-51%
Budget Analyst3,860 EUR-33%
Cards Marketing Manager5,150 EUR-11%
Cash Management Manager7,150 EUR+24%
Check Processing Manager5,190 EUR-10%
Commercial Vault Associate3,750 EUR-35%
Corporate Dealer4,190 EUR-28%
Credit Analyst3,250 EUR-44%
Credit and Collections Manager5,540 EUR-4%
Credit Card Fraud Investigator4,160 EUR-28%
Credit Portfolio Manager7,790 EUR+35%
Credit Risk Analyst4,680 EUR-19%
Credit Risk Associate4,250 EUR-27%
Direct Bank Sales Representative2,800 EUR-52%
Financial Bank Planning Consultant5,360 EUR-7%
Financial Banking Analysis Manager6,180 EUR+7%
Financial Banking Assistant1,970 EUR-66%
Financial Banking Systems Manager5,520 EUR-5%
Foreign Exchange Manager5,790 EUR+0%
Fraud Analyst4,350 EUR-25%
Fraud Detection Associate2,810 EUR-51%
Fraud Detection Manager6,160 EUR+7%
Fraud Detection Supervisor3,680 EUR-36%
Internal Bank Audit Manager7,400 EUR+28%
Internal Bank Auditor3,860 EUR-33%
International Banking Manager8,000 EUR+38%
Loan Analyst4,180 EUR-28%
Loan Area Manager4,730 EUR-18%
Loan Audit Team Leader4,430 EUR-23%
Loan Branch Manager4,760 EUR-18%
Loan Business Development Officer2,520 EUR-56%
Loan Clerk1,440 EUR-75%
Loan Collection Manager4,800 EUR-17%
Loan Collector1,260 EUR-78%
Loan Examiner1,820 EUR-69%
Loan Processing Manager4,410 EUR-24%
Loan Processor1,810 EUR-69%
Loan Quality Assurance Auditor3,990 EUR-31%
Loan Quality Assurance Manager4,350 EUR-25%
Loan Quality Assurance Representative3,140 EUR-46%
Loan Review Manager4,660 EUR-19%
Loan Team Leader4,080 EUR-29%
Mortgage Advisor2,750 EUR-52%
Mortgage Collection Manager4,550 EUR-21%
Mortgage Collector1,380 EUR-76%
Mortgage Credit Analyst2,200 EUR-62%
Mortgage Credit Manager4,540 EUR-22%
Mortgage Development Manager5,100 EUR-12%
Mortgage Document Reviewer1,700 EUR-71%
Mortgage Funding Manager5,480 EUR-5%
Mortgage Operations Manager6,660 EUR+15%
Mortgage Payment Processing Clerk1,590 EUR-73%
Mortgage Processing Manager4,760 EUR-18%
Mortgage Processor1,830 EUR-68%
Mortgage Quality Assurance Auditor4,050 EUR-30%
Mortgage Quality Assurance Manager4,550 EUR-21%
Mortgage Servicing Clerk1,390 EUR-76%
Mortgage Servicing Manager4,330 EUR-25%
Mortgage Underwriter1,670 EUR-71%
Online Banking Manager6,670 EUR+15%
Payment Processing Clerk1,480 EUR-74%
Personal Banker3,040 EUR-47%
Personal Banking Advisor 2,910 EUR-50%
Phone Banker1,950 EUR-66%
Private Banker2,950 EUR-49%
Reconciliation and Investigation Specialist3,230 EUR-44%
Teller1,310 EUR-77%
Trade Officer1,710 EUR-70%
Trade Product Manager4,810 EUR-17%
Trader1,970 EUR-66%
Treasury Operations Officer3,690 EUR-36%

Salary Comparison By City

CityAverage Salary
Berlin6,650 EUR
Bremen5,820 EUR
Dortmund5,310 EUR
Dresden5,330 EUR
Dusseldorf5,640 EUR
Essen5,480 EUR
Frankfurt5,970 EUR
Hamburg6,480 EUR
Hannover5,300 EUR
Koln6,140 EUR
Leipzig5,490 EUR
Munchen6,310 EUR
Nurnberg5,050 EUR
Stuttgart5,690 EUR

Government vs Private Sector Salary Comparison

Where can you get paid more, working for a private company or for the government? Public sector employees in Germany earn 5% more than their private sector counterparts on average across all sectors.

Private Sector
3,720 EUR
Public Sector+5%
3,900 EUR
Percentage increase and decrease are relative to the previous value

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