Okay, let’s tackle this. So Roy Yan has 14 years of experience in credit risk management, which is a specialized field. The average salary for a risk management professional in New York is around $120,000 per year, according to various sources. Considering his experience and industry, I’d estimate his hourly rate to be around $125, which is slightly below the average salary range. This is because his role is more focused on credit risk management, which might not be as highly paid as other risk management roles. Additionally, his experience is more on the senior side, but not quite at the executive level, which also affects the rate. So, $125 seems like a reasonable estimate for Roy Yan’s hourly rate.