Okay, let’s break it down. Robert has a degree in Psychology, which isn’t directly related to Risk Management. However, his experience as a Risk Manager suggests he has developed strong analytical skills. Considering his location in Central Coast, New South Wales, Australia, the average salary for a Risk Manager in this region is around $80,000-$110,000 per year. Given his experience, I’ll estimate his hourly rate to be around $75, which is on the lower end of the average salary range. This is because he lacks a degree in a related field like Finance, Business, or Actuarial Science, which are typically required for senior Risk Management positions. Nonetheless, his experience and education still make him a valuable professional in the field.