Average Bank Operational Risk Manager Salary in Cebu, Philippines for 2026

In this article, we will look at the average Bank Operational Risk Manager salary for 2026 in Cebu and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the Philippine peso. To keep things simple, we are using the PHP currency code instead of the currency symbol ₱.

How Much Does a Bank Operational Risk Manager Make in Cebu?

A Bank Operational Risk Manager working in Cebu will typically earn around 1,259,300 PHP per year, and this can range from the lowest average salary of about 653,200 PHP to the highest average salary of 1,921,500 PHP.

Average Annual Salary1,259,300 PHP
Average Monthly Salary104,941 PHP
Average Lowest Salary653,200 PHP
Lowest Monthly Salary54,433 PHP
Average Highest Salary1,921,500 PHP
Highest Monthly Salary160,125 PHP

These are average salaries for a Bank Operational Risk Manager in Cebu and include benefits such as housing and transport. It's also possible for a Bank Operational Risk Manager to earn more or less than the average salaries shown above.

Bank Operational Risk Manager salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Bank Operational Risk Manager Salaries in Cebu

So we've looked at the average salaries a Bank Operational Risk Manager will earn in Cebu. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that a Bank Operational Risk Manager can earn between 653,200 PHP and 1,921,500 PHP on average in Cebu. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for a Bank Operational Risk Manager in Cebu is 1,212,800 PHP. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 1,212,800 PHP, and 50% of the population earn more than 1,212,800 PHP.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Bank Operational Risk Manager salary in Cebu, 25% of the population are earning less than 839,500 PHP while 75% of the population earn more than 839,500 PHP.

75% of the population earn less than 1,500,800 PHP, and 25% of the population earn more than 1,500,800 PHP.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

The difference between a median and an average salary

The median and average salary are both indicators you can use to see if you are being paid fairly based on the overall population.

  • If your salary is higher than the average and the median salary, you are earning well compared to others.
  • If your salary is lower than the average and the median salary, it could indicate you are not being paid well enough.
  • If you are somewhere in between then it's tricky to determine if you are being paid well enough and you might need to research more closely.

Bank Operational Risk Manager Salary by Experience Level in Cebu

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average Bank Operational Risk Manager salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

  • 0 - 2 Years Experience. A Bank Operational Risk Manager in Cebu that has less than two years of experience can expect to earn somewhere in the region of 743,100 PHP.
  • 2 - 5 Years Experience. With two to five years of experience the average Bank Operational Risk Manager salary would increase to 995,200 PHP.
  • 5 - 10 Years Experience. From five to ten years of experience as a Bank Operational Risk Manager, the average salary would be 1,296,900 PHP.
  • 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 1,570,900 PHP.
  • 15 - 20 Years Experience. A Bank Operational Risk Manager with 15 to 20 years of experience can earn an average of 1,716,600 PHP.
  • 20+ Years Experience. For a Bank Operational Risk Manager with more than 20 years, the expected average salary increases to 1,800,200 PHP.

Average Salary by Experience Chart

0-2 Years-
743,100 PHP
2-5 Years+34%
995,200 PHP
5-10 Years+30%
1,296,900 PHP
10-15 Years+21%
1,570,900 PHP
15-20 Years+9%
1,716,600 PHP
20+ Years+5%
1,800,200 PHP

Bank Operational Risk Manager Salary by Education Level in Cebu

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for a Bank Operational Risk Manager in Cebu based on the education level of the employees in order to find out whether a better education level would increase your salary.

  • Bachelor's Degree. A Bank Operational Risk Manager in Cebu with a bachelor's degree education can earn an average salary of 1,047,900 PHP.
  • Master's Degree. A Bank Operational Risk Manager in Cebu with a master's degree education can earn an average salary of 1,450,700 PHP.

Average Salary by Education Chart

Bachelor's Degree-
1,047,900 PHP
Master's Degree+39%
1,450,700 PHP

How Much is a Master's Degree or MBA Program?

The approximate cost of a master's degree or post-graduate program like an MBA in Philippines is around 223,000 to 669,000 PHP and takes two years to complete.

As you can see above, there are financial benefits from reaching master's degree level, but don't expect to see much of a salary increase until you have completed the degree.

It's common for people to pursue an MBA or other post-graduate program in order to switch to a a job that pays more. On average, you can expect to earn around 10% more when switching to a new company.

Whether you decide to pursue a master's degree depends on many factors. If you are able to afford it, the numbers suggest that the return on investment is worth it and you could recover the costs in a few years from the salary increase you would receive.

Bank Operational Risk Manager Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Cebu, a male bank operational risk manager will earn an average of 1,134,800 PHP, while a female bank operational risk manager will earn around 991,000 PHP.

This means that a male bank operational risk manager earns approximately 15% more than a female bank operational risk manager for performing the same job.

Average Salary by Gender Chart in Cebu

Male-
1,134,800 PHP
Female-15%
991,000 PHP

Bank Operational Risk Manager Average Pay Raise in Cebu

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for a Bank Operational Risk Manager in Cebu is around 13% every 19 months.

The national average pay raise across all professions and industries in Philippines is around 8% every 18 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 13 ÷ 19 ) × 12  = 8%

What this means is that a Bank Operational Risk Manager in Cebu can expect to receive an average pay raise of around 8% every 12 months.

Annual Pay Raise by Industry in Cebu for 2026

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Philippines.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Banking-
9%
Energy-
9%
Information Technology-
9%
Healthcare-
9%
Travel-
9%
Construction-
9%
Education-
9%

Bank Operational Risk Manager Bonus and Incentive Rates in Cebu

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

A Bank Operational Risk Manager is a high bonus based job, with 85% of employees reporting at least one bonus in the last 12 months.

15% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 5% to 9%.

Received Bonus-
85%
No Bonus-
15%

What are the Types of Bonus?

There are a number of difference types of bonus you can receive in a job. Including:

  • Individual performance bonus - This is a bonus that is awarded to an individual employee for general performance in the job. It's the most common type of bonus.
  • Company performance bonus - This is a bonus that is awarded to a company employees to share profit with the staff.
  • Goal based bonus - This is a bonus that is awarded to an individual employee (or a team) for achieving specific goals, objectives, or milestones.
  • Holiday bonus - This type of bonus is usually paid around the holidays, often the end of the year, and is a token of appreciation for the hard work throughout the year.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Philippines earn approximately 12% more than private sector employees in the same role.

Public Sector-
563,300 PHP
Private Sector-12%
504,300 PHP

Salaries for Jobs Similar to a Bank Operational Risk Manager

In the table below, we have salary information for jobs that are similar to a Bank Operational Risk Manager in Cebu.

Job TitleCategorySalary
AML AnalystBanking814,100 PHP
ATM ManagerBanking727,100 PHP
ATM Service TechnicianBanking215,100 PHP
Assistant Bank Branch ManagerBanking693,100 PHP
Assistant Bank ManagerBanking888,400 PHP
Bank Accounts AnalystBanking313,700 PHP
Bank Accounts CollectorBanking192,600 PHP
Bank Accounts ControllerBanking378,300 PHP
Bank Accounts ExecutiveBanking600,000 PHP
Bank Accounts ManagerBanking679,200 PHP
Bank Auditing ManagerBanking675,200 PHP
Bank Branch ManagerBanking972,200 PHP
Bank Branch Operations CoordinatorBanking431,100 PHP
Bank ClerkBanking187,500 PHP
Bank Client Service AssociateBanking243,000 PHP
Bank CollectorBanking180,300 PHP
Bank Compliance SpecialistBanking492,700 PHP
Bank ManagerBanking1,144,400 PHP
Bank Operations HeadBanking1,124,200 PHP
Bank Operations OfficerBanking430,500 PHP
Bank Operations SpecialistBanking694,700 PHP
Bank Process ManagerBanking587,800 PHP
Bank Product Manager Banking695,200 PHP
Bank Programme ManagerBanking754,900 PHP
Bank Project ManagerBanking903,500 PHP
Bank Propositions ManagerBanking824,800 PHP
Bank Quantitative AnalystBanking529,600 PHP
Bank Regional ManagerBanking1,087,500 PHP
Bank Regional Risk OfficerBanking563,000 PHP
Bank Relationship ManagerBanking854,300 PHP
Bank Relationship OfficerBanking359,900 PHP
Bank TellerBanking191,600 PHP
BankerBanking377,200 PHP
Banking Business AnalystBanking580,600 PHP
Banking Business Development OfficerBanking366,200 PHP
Banking Business Planning ExecutiveBanking785,400 PHP
Banking Product ManagerBanking694,700 PHP
Banking Reference Data ManagerBanking596,100 PHP
Banking Risk AnalystBanking562,600 PHP
Banking Technical AnalystBanking315,700 PHP
Bankruptcy CoordinatorBanking401,300 PHP
Bill and Account CollectorBanking197,600 PHP
Budget AnalystBanking553,800 PHP
Capital Risk ManagerBanking1,110,500 PHP
Cards Marketing ManagerBanking744,600 PHP
Cash Management ManagerBanking993,600 PHP
Check Processing ManagerBanking714,300 PHP
Commercial Vault AssociateBanking581,000 PHP
Corporate BankerBanking411,400 PHP
Corporate DealerBanking576,500 PHP
Credit AnalystBanking433,400 PHP
Credit Card Fraud InvestigatorBanking602,700 PHP
Credit Portfolio ManagerBanking1,062,500 PHP
Credit Risk AnalystBanking615,000 PHP
Credit Risk AssociateBanking626,800 PHP
Credit and Collections ManagerBanking810,400 PHP
Direct Bank Sales RepresentativeBanking399,900 PHP
Exchange Control ConsultantBanking610,100 PHP
Executive Account AnalystBanking559,000 PHP
Financial Bank Planning ConsultantBanking713,900 PHP
Financial Banking Analysis ManagerBanking868,400 PHP
Financial Banking AssistantBanking275,200 PHP
Financial Banking Systems ManagerBanking756,700 PHP
Foreign Exchange ManagerBanking870,700 PHP
Fraud AnalystBanking588,500 PHP
Fraud Detection AssociateBanking421,400 PHP
Fraud Detection ManagerBanking854,300 PHP
Fraud Detection SupervisorBanking492,400 PHP
Internal Bank Audit ManagerBanking1,070,600 PHP
Internal Bank AuditorBanking553,800 PHP
Internal Private BankerBanking406,300 PHP
International Banking ManagerBanking1,134,100 PHP
Investment Banking AnalystBanking816,000 PHP
Loan AnalystBanking548,800 PHP
Loan Area ManagerBanking693,100 PHP
Loan Audit Team LeaderBanking646,600 PHP
Loan Branch ManagerBanking623,200 PHP
Loan Business Development OfficerBanking362,200 PHP
Loan ClerkBanking204,000 PHP
Loan Collection ManagerBanking674,100 PHP
Loan Collection and Recovery ManagerBanking653,200 PHP
Loan CollectorBanking192,600 PHP
Loan ExaminerBanking247,800 PHP
Loan OfficerBanking218,900 PHP
Loan Processing ManagerBanking596,100 PHP
Loan ProcessorBanking266,000 PHP
Loan Quality Assurance AuditorBanking581,000 PHP
Loan Quality Assurance ManagerBanking627,900 PHP
Loan Quality Assurance RepresentativeBanking451,000 PHP
Loan Review ManagerBanking659,200 PHP
Loan Team LeaderBanking573,500 PHP
Loans ManagerBanking791,600 PHP
Mortgage AdvisorBanking384,200 PHP
Mortgage Collection ManagerBanking693,100 PHP
Mortgage CollectorBanking189,300 PHP
Mortgage Credit AnalystBanking296,000 PHP
Mortgage Credit ManagerBanking670,600 PHP
Mortgage Development ManagerBanking744,600 PHP
Mortgage Document ReviewerBanking246,500 PHP
Mortgage Funding ManagerBanking710,500 PHP
Mortgage Operations ManagerBanking1,004,600 PHP
Mortgage Payment Processing ClerkBanking214,000 PHP
Mortgage Processing ManagerBanking675,100 PHP
Mortgage ProcessorBanking257,700 PHP
Mortgage Quality Assurance AuditorBanking539,700 PHP
Mortgage Quality Assurance ManagerBanking664,500 PHP
Mortgage Servicing ClerkBanking191,600 PHP
Mortgage Servicing ManagerBanking658,300 PHP
Mortgage UnderwriterBanking239,300 PHP
Online Banking ManagerBanking1,037,000 PHP
Payment Processing ClerkBanking204,000 PHP
Personal BankerBanking420,800 PHP
Personal Banking Advisor Banking417,200 PHP
Phone BankerBanking283,400 PHP
Private BankerBanking407,100 PHP
Reconciliation and Investigation SpecialistBanking466,900 PHP
Tax OfficerBanking357,300 PHP
TellerBanking194,600 PHP
Trade OfficerBanking231,000 PHP
Trade Product ManagerBanking641,900 PHP
TraderBanking286,400 PHP
Treasury Operations OfficerBanking518,300 PHP

Salary Comparison by City

If you want to compare salaries with different cities in Philippines, you can use the links below to explore the data for each specific city we have researched.

CityAverage Salary
Antipolo1,122,300 PHP
Cagayan de Oro1,085,600 PHP
Dasmarinas1,021,800 PHP
Davao1,249,900 PHP
Kalookan1,198,300 PHP
Las Pinas1,043,600 PHP
Makati1,088,100 PHP
Manila1,296,900 PHP
Paranaque1,132,900 PHP
Pasig1,168,300 PHP
Quezon City1,235,600 PHP
Taguig1,166,500 PHP
Valenzuela1,129,700 PHP

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