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Careers›Roles›Accounts Receivable Specialist (AR Specialist)
Mid-Level

Accounts Receivable Specialist (AR Specialist)

You handle the day-to-day work of accounts receivable — applying customer payments, investigating discrepancies, supporting collections — and serve as the operational layer that keeps AR moving in a corporate or healthcare setting.

Career Level
Junior
Mid
Senior
Director
VP
Executive
Work Personality
C
E
S
R
A
I
Conventionalorganizing, detail-oriented
Enterprisingleading, persuading
Based on Holland Code framework
Industries that often hire Accounts Receivable Specialist (AR Specialist)s
Administrative Services · 31%Financial Services · 22%Healthcare · 11%Professional Services · 8%Government · 4%Wholesale & Distribution · 4%
Job markets for Accounts Receivable Specialist (AR Specialist)s
Where Accounts Receivable Specialist (AR Specialist) jobs concentrate · ~302 metro areas
Based on employment in related occupations
Mapped SOC categories:
Admin & Office
BLS Occupational Employment Statistics
Jump to:What it's likeCareer pathsBy the numbers
What it's like

What it's like to be a Accounts Receivable Specialist (AR Specialist)

A specialist's week threads across cash application, deduction research, and customer outreach — posting incoming checks and ACH, reconciling against invoices, investigating short-pays and chargebacks. DSO trends and unapplied-cash balance anchor the operating measures.

The harder part is often the deduction-research grind — customer-side disputes, pricing variances, and shipping claims all surface as deductions that AR specialists chase to resolution. Variance across employers shapes the rhythm: B2B corporates handle larger invoices with research-heavy resolution; consumer-billing AR runs higher volume with simpler exceptions; healthcare AR carries payer denials and remittance complexity.

It fits people detail-tolerant with ledger work and steady through customer-side disputes. Credit-association credentials anchor advancement. The trade-off is the friction-heavy nature of the work — AR specialists field disagreements about money daily, and the role asks for diplomatic discipline.

What people in this role value
RelationshipsModerate
SupportModerate
AchievementLower
Working ConditionsLower
IndependenceLower
RecognitionLower
O*NET Work Values survey
✦ Editorial — written by Truest from industry research and career patterns

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Career Paths

Where this role sits in the broader career landscape — and where it can take you.

Earning potential across this track
$239K$179K$119K$60K$0KLower paying387 metro areas, sorted by salary level
All experience levels1
This level's estimated range
INDUSTRIES PAYING ABOVE AVERAGE
Energy & Utilities$84K+67%
Professional Services$83K+64%
Technology & Information$79K+58%
Financial Services$77K+53%
Government$69K+37%
Compared to Admin & Office average across all industries
1 BLS OEWS May 2024 covers all Accounts Receivable Specialist (AR Specialist)s (SOC 43-3011.00), not just this title · BEA RPP 2023
* Top salaries exceed this figure. BLS caps reported wages at ~$240K to protect individual privacy in high-earning roles.
Related rolesExplore Admin & Office →
Accounts Receivable Specialist (AR Specialist)Account RepresentativeCollection ClerkBilling RepresentativeData CollectorPatient Account RepresentativeCredit SpecialistCredit CoordinatorCredit and Collections AnalystCollections SpecialistField CollectorDunnerRepossessorBill CollectorDebt CollectorRent CollectorCar RepossessorClaims CollectorCollection AgentCollections AgentCollections ClerkInstallment AgentMedical CollectorPayment CollectorAccounts Collector+1 more

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✦ Editorial — career progression and interview guidance based on industry patterns
The Broader Landscape

Roles like this one sit within a broader occupational category. The numbers below reflect that full landscape — helpful for context, but your specific experience will depend on level, specialty, and where you work.

$34K–$66K
Salary Range
10th – 90th percentile
165K
U.S. Employment
-10.5%
10yr Growth
14K
Annual Openings

How Accounts Receivable Specialist (AR Specialist) pay & employment are changing

$64K$61K$59K$56K$53K201920202021202220232024$53K$64K
BLS OEWS May 2024 · BLS Employment Projections 2024–2034

Skills & Requirements

Active ListeningSpeakingSocial PerceptivenessPersuasionWritingReading ComprehensionCritical ThinkingService OrientationMonitoringTime Management
O*NET OnLine · Bureau of Labor Statistics
Mapped SOC Codes
43-3011.00

Explore related roles

Roles with similar work and overlapping career paths

seniorSenior Accounts Receivable Specialist (Ar Specialist)$46KmidAccount Representative$51KmidCollection Clerk$48KmidBilling Representative$47KmidData Collector$48KseniorSenior Data Collector$48K
View all Admin & Office roles →

Common questions about what it's like to be an Accounts Receivable Specialist (AR Specialist)

What does an Accounts Receivable Specialist (AR Specialist) do?

You handle the day-to-day work of accounts receivable — applying customer payments, investigating discrepancies, supporting collections — and serve as the operational layer that keeps AR moving in a corporate or healthcare setting.

How much does an Accounts Receivable Specialist (AR Specialist) make?

Median pay for an Accounts Receivable Specialist (AR Specialist) is about $46K nationally, with the field ranging roughly from $34K to $66K depending on experience, employer, and metro (BLS).

What skills does an Accounts Receivable Specialist (AR Specialist) need?

Core skills for this role include Active Listening, Speaking, Social Perceptiveness, Persuasion, and Writing.

What education do you need to be an Accounts Receivable Specialist (AR Specialist)?

Most people in this role hold a high school diploma.

Is an Accounts Receivable Specialist (AR Specialist) in demand?

Employment in this field is projected to decline about 10.5% through 2034, with roughly 165,020 people working in it today (BLS).

What jobs are similar to an Accounts Receivable Specialist (AR Specialist)?

Closely related roles include Senior Accounts Receivable Specialist (Ar Specialist), Account Representative, and Collection Clerk.

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Federal data: BLS Occupational Employment & Wage Statistics (May 2024) · BLS Employment Projections · O*NET OnLine
Truest editorial: Fit check, role profile, things that vary, advancement analysis, lateral moves, interview questions.

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