Average Fraud Detection Associate Salary in Germany for 2024

In this article, we will look at the average Fraud Detection Associate salary for 2024 in Germany 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 Euro. To keep things simple, we are using the EUR currency code instead of the currency symbol โ‚ฌ.

How Much Does a Fraud Detection Associate Make in Germany?

A Fraud Detection Associate working in Germany will typically earn around 32,420 EUR per year, and this can range from the lowest average salary of about 15,580 EUR to the highest average salary of 54,140 EUR.

Average Annual Salary
32,420 EUR
Average Monthly Salary
2,701 EUR

Lowest Annual Salary
15,580 EUR
Lowest Monthly Salary
1,298 EUR

Highest Annual Salary
54,140 EUR
Highest Monthly Salary
4,511 EUR

These are average salaries for a Fraud Detection Associate in Germany and include benefits such as housing and transport. It's also possible for a Fraud Detection Associate to earn more or less than the average salaries shown above.

Fraud Detection Associate 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 Fraud Detection Associate Salaries in Germany

So we've looked at the average salaries a Fraud Detection Associate will earn in Germany. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that a Fraud Detection Associate can earn between 15,580 EUR and 54,140 EUR on average in Germany. 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 Fraud Detection Associate in Germany is 38,180 EUR. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 38,180 EUR, and 50% of the population earn more than 38,180 EUR.

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 Fraud Detection Associate salary in Germany, 25% of the population are earning less than 23,500 EUR while 75% of the population earn more than 23,500 EUR.

75% of the population earn less than 48,920 EUR, and 25% of the population earn more than 48,920 EUR.

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.

Fraud Detection Associate Salary by Experience Level in Germany

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 fraud detection associate 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 Fraud Detection Associate in Germany that has less than two years of experience can expect to earn somewhere in the region of 16,140 EUR.
  • 2 - 5 Years Experience. With two to five years of experience the average Fraud Detection Associate salary would increase to 24,820 EUR.
  • 5 - 10 Years Experience. From five to ten years of experience as a Fraud Detection Associate, the average salary would be 35,300 EUR.
  • 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 44,180 EUR.
  • 15 - 20 Years Experience. A Fraud Detection Associate with 15 to 20 years of experience can earn an average of 45,000 EUR.
  • 20+ Years Experience. For a Fraud Detection Associate with more than 20 years, the expected average salary increases to 50,240 EUR.

Average Salary by Experience Chart

0-2 Years
16,140 EUR
2-5 Years +34%
24,820 EUR
5-10 Years +48%
35,300 EUR
10-15 Years +22%
44,180 EUR
15-20 Years +9%
45,000 EUR
20+ Years +8%
50,240 EUR

Fraud Detection Associate Salary by Education Level in Germany

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 Fraud Detection Associate in Germany 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 Fraud Detection Associate in Germany with a bachelor's degree education can earn an average salary of 21,020 EUR.

  • Master's Degree. A Fraud Detection Associate in Germany with a master's degree education can earn an average salary of 38,700 EUR.

Average Salary by Education Chart

Bachelor's Degree
21,020 EUR
Master's Degree +93%
38,700 EUR

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 Germany is around 19,100 to 57,200 EUR 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.

Fraud Detection Associate 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 Germany, a male fraud detection associate will earn an average of 35,300 EUR, while a female fraud detection associate will earn around 33,960 EUR.

This means that a male fraud detection associate earns approximately 4% more than a female fraud detection associate for performing the same job.

Average Salary by Gender Chart in Germany

Male
35,300 EUR
Female -4%
33,960 EUR

Fraud Detection Associate Average Pay Raise in Germany

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 Fraud Detection Associate in Germany is around 11% every 15 months.

The national average pay raise across all professions and industries in Germany is around 8% every 16 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 = ( 11 ÷ 15 ) × 12  = 9%

What this means is that a Fraud Detection Associate in Germany can expect to receive an average pay raise of around 9% every 12 months.

Annual Pay Raise by Industry in Germany for 2024

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

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%

Fraud Detection Associate Bonus and Incentive Rates in Germany

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 Fraud Detection Associate is a moderate bonus based job, with 61% of employees reporting at least one bonus in the last 12 months.

39% 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 2% to 7%.

Received Bonus
61%
No Bonus
39%

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 Germany earn approximately 8% more than private sector employees in the same role.

Public Sector
48,200 EUR
Private Sector -8%
44,540 EUR

Salaries for Jobs Similar to a Fraud Detection Associate

In the table below, we have salary information for jobs that are similar to a Fraud Detection Associate in Germany.

Job Title Category Salary
AML Analyst Banking 70,260 EUR
Assistant Bank Branch Manager Banking 56,460 EUR
Assistant Bank Manager Banking 75,980 EUR
ATM Manager Banking 64,300 EUR
ATM Service Technician Banking 17,560 EUR
Bank Accounts Analyst Banking 25,160 EUR
Bank Accounts Collector Banking 15,580 EUR
Bank Accounts Controller Banking 31,180 EUR
Bank Accounts Executive Banking 50,980 EUR
Bank Accounts Manager Banking 57,360 EUR
Bank Auditing Manager Banking 61,400 EUR
Bank Branch Manager Banking 79,000 EUR
Bank Branch Operations Coordinator Banking 35,260 EUR
Bank Clerk Banking 14,660 EUR
Bank Client Service Associate Banking 20,760 EUR
Bank Collector Banking 17,100 EUR
Bank Compliance Specialist Banking 38,620 EUR
Bank Manager Banking 96,600 EUR
Bank Operational Risk Manager Banking 90,660 EUR
Bank Operations Head Banking 93,660 EUR
Bank Operations Officer Banking 36,160 EUR
Bank Operations Specialist Banking 58,520 EUR
Bank Process Manager Banking 50,540 EUR
Bank Product Manager Banking 59,380 EUR
Bank Programme Manager Banking 64,040 EUR
Bank Project Manager Banking 73,820 EUR
Bank Propositions Manager Banking 67,120 EUR
Bank Quantitative Analyst Banking 50,580 EUR
Bank Regional Manager Banking 96,960 EUR
Bank Regional Risk Officer Banking 50,340 EUR
Bank Relationship Manager Banking 69,580 EUR
Bank Relationship Officer Banking 31,520 EUR
Bank Teller Banking 15,380 EUR
Banker Banking 34,980 EUR
Banking Business Analyst Banking 50,580 EUR
Banking Business Development Officer Banking 32,620 EUR
Banking Business Planning Executive Banking 65,080 EUR
Banking Product Manager Banking 57,820 EUR
Banking Reference Data Manager Banking 50,560 EUR
Banking Risk Analyst Banking 47,120 EUR
Banking Technical Analyst Banking 23,080 EUR
Bankruptcy Coordinator Banking 33,520 EUR
Bill and Account Collector Banking 15,300 EUR
Budget Analyst Banking 47,120 EUR
Capital Risk Manager Banking 88,300 EUR
Cards Marketing Manager Banking 60,600 EUR
Cash Management Manager Banking 83,900 EUR
Check Processing Manager Banking 61,780 EUR
Commercial Vault Associate Banking 46,400 EUR
Corporate Banker Banking 37,200 EUR
Corporate Dealer Banking 51,080 EUR
Credit Analyst Banking 39,800 EUR
Credit and Collections Manager Banking 65,080 EUR
Credit Card Fraud Investigator Banking 50,020 EUR
Credit Portfolio Manager Banking 93,780 EUR
Credit Risk Analyst Banking 54,560 EUR
Credit Risk Associate Banking 51,100 EUR
Direct Bank Sales Representative Banking 35,500 EUR
Exchange Control Consultant Banking 51,800 EUR
Executive Account Analyst Banking 49,700 EUR
Financial Bank Planning Consultant Banking 66,020 EUR
Financial Banking Analysis Manager Banking 73,760 EUR
Financial Banking Assistant Banking 22,340 EUR
Financial Banking Systems Manager Banking 66,440 EUR
Foreign Exchange Manager Banking 69,780 EUR
Fraud Analyst Banking 53,600 EUR
Fraud Detection Manager Banking 73,120 EUR
Fraud Detection Supervisor Banking 45,560 EUR
Internal Bank Audit Manager Banking 88,600 EUR
Internal Bank Auditor Banking 47,120 EUR
Internal Private Banker Banking 36,800 EUR
International Banking Manager Banking 96,600 EUR
Investment Banking Analyst Banking 67,120 EUR
Loan Analyst Banking 49,560 EUR
Loan Area Manager Banking 56,460 EUR
Loan Audit Team Leader Banking 53,660 EUR
Loan Branch Manager Banking 55,820 EUR
Loan Business Development Officer Banking 29,640 EUR
Loan Clerk Banking 18,780 EUR
Loan Collection and Recovery Manager Banking 58,200 EUR
Loan Collection Manager Banking 57,800 EUR
Loan Collector Banking 17,020 EUR
Loan Examiner Banking 19,940 EUR
Loan Officer Banking 18,280 EUR
Loan Processing Manager Banking 51,120 EUR
Loan Processor Banking 23,520 EUR
Loan Quality Assurance Auditor Banking 47,580 EUR
Loan Quality Assurance Manager Banking 53,600 EUR
Loan Quality Assurance Representative Banking 37,380 EUR
Loan Review Manager Banking 55,320 EUR
Loan Team Leader Banking 48,560 EUR
Loans Manager Banking 66,480 EUR
Mortgage Advisor Banking 32,900 EUR
Mortgage Collection Manager Banking 54,700 EUR
Mortgage Collector Banking 18,260 EUR
Mortgage Credit Analyst Banking 27,300 EUR
Mortgage Credit Manager Banking 52,880 EUR
Mortgage Development Manager Banking 62,100 EUR
Mortgage Document Reviewer Banking 21,100 EUR
Mortgage Funding Manager Banking 67,560 EUR
Mortgage Operations Manager Banking 78,120 EUR
Mortgage Payment Processing Clerk Banking 18,280 EUR
Mortgage Processing Manager Banking 55,820 EUR
Mortgage Processor Banking 20,460 EUR
Mortgage Quality Assurance Auditor Banking 49,700 EUR
Mortgage Quality Assurance Manager Banking 54,700 EUR
Mortgage Servicing Clerk Banking 15,380 EUR
Mortgage Servicing Manager Banking 50,560 EUR
Mortgage Underwriter Banking 21,540 EUR
Online Banking Manager Banking 80,340 EUR
Payment Processing Clerk Banking 17,860 EUR
Personal Banker Banking 38,180 EUR
Personal Banking Advisor Banking 35,520 EUR
Phone Banker Banking 23,500 EUR
Private Banker Banking 37,200 EUR
Reconciliation and Investigation Specialist Banking 39,960 EUR
Tax Officer Banking 29,320 EUR
Teller Banking 14,820 EUR
Trade Officer Banking 21,020 EUR
Trade Product Manager Banking 57,320 EUR
Trader Banking 22,340 EUR
Treasury Operations Officer Banking 45,580 EUR

Salary Comparison by City

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

City Average Salary
Berlin 36,020 EUR
Bremen 32,420 EUR
Dortmund 35,520 EUR
Dresden 31,520 EUR
Dusseldorf 34,280 EUR
Essen 34,160 EUR
Frankfurt 37,740 EUR
Hamburg 36,700 EUR
Hannover 31,340 EUR
Koln 39,160 EUR
Leipzig 34,160 EUR
Munchen 37,380 EUR
Nurnberg 32,960 EUR
Stuttgart 36,800 EUR

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