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Data Scientist (Risk & Compliance) Salary in Estonia 2026: Benchmarks, Range & Skills

+8.3% YoYMarket research summary
  • Risk analytics, fraud prevention and production ML support healthy demand in regulated sectors.
  • AML and fraud-risk modelling roles at payments firms carry a distinct premium in Tallinn, reflecting the regulatory weight on Estonia's fintech sector.

The median Data Scientist (Risk & Compliance) salary in Estonia is €54K in 2026, with a typical range from €51K to €54K. Pay has moved +8.3% year-on-year. Tallinn currently leads city pay at €55K. This is base salary for permanent employees. Contracting instead? See day rates for this role below.

What does A Data Scientist (Risk & Compliance) do?

A Data Scientist (Risk & Compliance) is responsible for building statistical and machine-learning models for credit risk, fraud detection, and regulatory compliance monitoring within a bank or fintech.

Day-to-day responsibilities

  • Building and validating credit-risk or fraud-detection models
  • Running model performance monitoring
  • Documenting models for regulatory review
  • Working with compliance teams on model explainability requirements
Medium demand+18% Credit risk / fraud modelling+14% Model validation & explainability+11% Regulatory model documentation

National Median Salary

€54K

per year

Estonia annual benchmark • 2026

Salary Range (P25 – P75)

€54K
€47K€63K

Data quality & confidence

Confidence Score

68%

YoY Momentum

+8.3%

Median salary benchmark

€54K

annual - 2026

Typical salary range

€51K-€54K

25th-75th percentile

Year-on-year pay movement

+8.3%

from market research

Forward pay outlook

€58K

Forecasted market posture

Permanent Salary Benchmark for Data Scientist (Risk & Compliance)

Permanent salary benchmarks for Data Scientist (Risk & Compliance) in Estonia, from the low end to the top of the range, based on published market compensation data.

€54K
€47K€63K

Low

€47K

P25

€51K

Median

€54K

P75

€54K

High

€63K

Data Scientist (Risk & Compliance) Take-Home Pay in Estonia (2026)

After Income Tax & Unemployment Insurance · single, standard payroll deductions

Entry

Take-home/year

40 812 €

Effective rate

20.0%

Median

Take-home/year

43 104 €

Effective rate

20.2%

Senior

Take-home/year

43 104 €

Effective rate

20.2%

See the full band-by-band breakdown for Data Scientist (Risk & Compliance)

Adjust for your actual salary, see each flat Income Tax and unemployment insurance contributions band, and get monthly and weekly figures.

Is a Data Scientist (Risk & Compliance) hybrid salary worth the commute?

3-day/week office schedule · typical Estonian commute assumptions

Break-even remote salary

46 800 €

minimum to match €54K hybrid

Annual commute impact

5378 €

costs + time value lost

Hours commuting/year

138 hrs

at 60 min/day, 3 days/wk

See the full break-even analysis for Data Scientist (Risk & Compliance)

Adjust commute costs, compare any two salaries, and find the exact remote salary you need.

Remote vs hybrid analysis

Data Scientist (Risk & Compliance) market demand in Estonia

Hiring outlook · remote rate · top employers

Hiring outlook

Growing

Remote / hybrid

32%

of roles offer remote or hybrid

Salary growth (YoY)

+8.3%

market is paying more

Top hirers:
WiseBoltPipedriveVeriffPlaytech

Full market demand breakdown for Data Scientist (Risk & Compliance)

Hiring drivers, remote rate detail, full employer list, and demand FAQs for Estonia.

Market demand guide

Contract day rates available for this role

Median €335/day, see full breakdown, city rates, and take-home calculator

View Data Scientist (Risk & Compliance) day rates →
  • Risk analytics, fraud prevention and production ML support healthy demand in regulated sectors.
  • AML and fraud-risk modelling roles at payments firms carry a distinct premium in Tallinn, reflecting the regulatory weight on Estonia's fintech sector.

Contract break-even

What day rate beats a €54K Data Scientist (Risk & Compliance) salary after tax?

Break-even day rate

€417/day

to match 54K permanent net

Permanent net take-home

€43,104/yr

54K gross, 2026 flat-tax rates

FIE sole proprietor, 220 days, self-paid 33% social tax. Net figures are estimates; use the calculators for exact results.

Market Demand & Outlook

Hiring demand, top locations, and career outlook for Data Scientist (Risk & Compliance)

Moderate Confidence

Demand level

Medium

Based on hiring signals relative to similar roles in this market.

Top hiring locations

TallinnTartuParnu

Career outlook

Strong upward salary momentum

Data Scientist (Risk & Compliance) salaries are showing strong movement, with latest benchmark growth at +8.3%.

Data Scientist (Risk & Compliance) Salary by Seniority Level

Seniority is the biggest single driver of Data Scientist (Risk & Compliance) pay in Estonia. Entry-level roles start at €35K, rising 154% to €89K at lead or principal level.

Junior

€35K

€35K-€35K middle band

Mid-level

€51K

€51K-€51K middle band

Senior

€69K

€69K-€69K middle band

Principal/Lead

€89K

€89K-€89K middle band

Skills That Command a Premium for Data Scientist (Risk & Compliance)s

Certain technical skills push Data Scientist (Risk & Compliance) salaries in Estonia significantly above the €54K median. These are the most impactful skills to develop or highlight when negotiating.

Credit risk / fraud modelling

+18%

salary premium vs median

Model validation & explainability

+14%

salary premium vs median

Regulatory model documentation

+11%

salary premium vs median

How Much Does a Data Scientist (Risk & Compliance) Earn by City in Estonia?

Data Scientist (Risk & Compliance) salary varies meaningfully by location. Tallinn commands a +2% premium over the national benchmark (€55K), while Parnu sits -28% at €39K. Location is worth factoring into any offer negotiation.

How does Data Scientist (Risk & Compliance) pay compare to similar roles?

Why Data Scientist (Risk & Compliance) Salaries Are at This Level

Data Scientist (Risk & Compliance)s in Estonia earn a median salary of €54K in 2026, with a typical range from €51K at the 25th percentile to €54K at the 75th percentile. This benchmark reflects published market compensation data for annual pay across the Estonia market.

Tallinn currently leads city pay at €55K, which is 2% above the national benchmark. City coverage for this role includes Tallinn, Tartu, Parnu, helping you compare local pay differences without needing separate city-role pages.

At experience level, entry roles start around €35K, senior roles sit near €69K, and lead-level roles reach about €89K. Demand is currently moderate for this role based on recent coverage and salary momentum signals.

Frequently Asked Questions About Data Scientist (Risk & Compliance) Salary in Estonia

1

What is the median Data Scientist (Risk & Compliance) salary in Estonia?

The median Data Scientist (Risk & Compliance) salary in Estonia is €54K in 2026. The typical range runs from €51K at the 25th percentile to €54K at the 75th percentile, based on published market compensation data.

2

Is Data Scientist (Risk & Compliance) salary increasing in Estonia?

Data Scientist (Risk & Compliance) salaries have moved +8.3% year-on-year in Estonia.

3

How does Data Scientist (Risk & Compliance) salary vary by city in Estonia?

Data Scientist (Risk & Compliance) salaries vary across Estonia. Tallinn leads at €55K (+2% vs the national benchmark), while Parnu sits at €39K. Use the city breakdown above to compare all locations.

4

What does a Data Scientist (Risk & Compliance) take home after tax in Estonia?

A Data Scientist (Risk & Compliance) earning the median €54K gross in Estonia will take home a net amount after income tax and other deductions. Use the PayMetric Labs take-home calculator on this page for an exact breakdown by tax band.

5

What experience level earns the most as a Data Scientist (Risk & Compliance) in Estonia?

Principal/Lead-level Data Scientist (Risk & Compliance)s in Estonia earn the most, with a median of €89K, compared to €35K at entry level. Seniority is the strongest single driver of pay in this role.

6

Is a €54K Data Scientist (Risk & Compliance) hybrid role worth the commute in Estonia?

On a 3-day hybrid schedule with a typical Estonian commute (0 €/day travel, 60-minute round trip, daily meal premium, annual wardrobe costs), your true net income at €54K is approximately 36 646 € per year, compared to 42 024 € net without any commute. The commute costs 5378 € per year in direct expenses and lost time. A fully remote role paying 46 800 € would leave you equally well off.

7

What remote salary is equivalent to a €54K hybrid Data Scientist (Risk & Compliance) salary in Estonia?

Assuming a 3-day hybrid schedule with typical commute costs, you would need a remote salary of at least 46 800 € to match the true net value of a €54K hybrid Data Scientist (Risk & Compliance) role in Estonia. For a 5-day fully in-office role, the break-even remote salary rises to 42 500 €, as the higher office frequency increases travel, meal, and time costs significantly.

8

How many hours per year does a Data Scientist (Risk & Compliance) in Estonia spend commuting?

On a 3-day hybrid schedule with a 60-minute round trip, a Data Scientist (Risk & Compliance) in Estonia spends approximately 138 hours commuting per year, equivalent to 17 full working days. Valued at the implied hourly rate for a €54K salary (29 €/hr), that time is worth 4050 € annually.

9

How does the 2026 Return to Office trend affect Data Scientist (Risk & Compliance) compensation in Estonia?

As more employers in Estonia reintroduce hybrid or full in-office mandates in 2026, the true value of a Data Scientist (Risk & Compliance) salary depends increasingly on the number of required office days. At €54K, each additional day in the office costs roughly 1626 € per year in direct and time costs (moving from 3 to 5 days). Candidates evaluating offers should compare true net income rather than gross salary alone.

10

How reliable is this Data Scientist (Risk & Compliance) salary benchmark?

This benchmark is derived from verified market compensation data and is rated Moderate Confidence. High Confidence means the benchmark is corroborated across independent sources and is citation-ready. Moderate Confidence is directional context while coverage is still building. Limited Market Data means early signals only.

11

Is Data Scientist (Risk & Compliance) pay increasing?

An indicative year-over-year signal of +8.3% is available from the latest market research for this role. This figure is directional market research rather than a matched prior-year observation in our own dataset.

12

What should employers and candidates take from this benchmark?

Candidates should compare offers against the €51K-€54K middle-market band, while employers should treat €54K as the current market midpoint for this role.

Compare Data Scientist (Risk & Compliance) pay in another market

The same role has published benchmarks in these markets. Open each local page for its salary range, tax context, and city detail.

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