Financial Economist
Federal Reserve Bank of Richmond
Education: PhD in Finance (2019) , Bauer College of Business, University of Houston
Research Interests: Financial Intermediation, Household Finance, Real Estate, Fintech, Banking
1. Invisible Primes: Fintech Lending with Alternative Data (with Marco Di Maggio) [SSRN]
- R&R, Management Science - Videos: LIFT-Berkeley Haas Conference ECB Research Conference2. The Decline of Branch Banking (with Rajesh Narayanan and Philip Strahan) [ SSRN ]
3. Effects of Shadow Bank Competition on Bank Strategies and Risk (with Vijay Yerramilli) [ SSRN ]
4. Effect of Bank Mergers on the Price and Availability of Mortgage Credit (with Vijay Yerramilli) [ SSRN ]
5. Depositor Characteristics and Deposit Franchise (with Rajesh P. Narayan) [SSRN]
6. Mortgage Brokers and Borrower Outcomes
- R&R7. The Enduring Effects of Interest Rates at Mortgage Origination (with Don Carmichael and Kevin Roshak) [ SSRN]
1. Climate Risk Perceptions and Demand for Flood Insurance (with Buvaneshwaran Venugopal), Financial Management (2023), [published version]
2. Do sunk costs affect prices in the housing market? (with Vijay Yerramilli), Management Science (2022), [published version]
3. Flooded Social Connections, The Quarterly Journal of Finance (2021), [published version]
4. Collateral Value and Strategic Default: Evidence from Auto Loans, Journal of Financial Services Research (2021), [published version]
5. Do Areas Affected by Flood Disasters Attract Lower-Income and Less Creditworthy Homeowners? (with Buvaneshwaran Venugopal), Journal of Housing Research (2020), [published version]
6. Deductible Choice in Flood Insurance: Who Chooses the Maximum? (with Timothy Dombrowski, Kelley Pace, and Carlos Slawson), Journal of Housing Research (2020), [published version]
7. Demographic, jurisdictional, and spatial effects on social distancing in the United States during the COVID-19 pandemic (with Rajesh Narayanan, James Nordlund, and Kelley Pace), PLOS One (2020), [published version]
2024: MFA 2024 Annual Meeting, 2024 FSU-UF Critical Issues in Real Estate Symposium*, IBEFA-WEAI Meeting 2024**, Louisiana State University, 2024 Community Banking Research Conference*, Bank Research Conference - FDIC*, Federal Reserve Board's Financial Inclusion Practices and Innovations conference, FMA*, University of Houston*
2023: UC Berkeley LIFT - IFC Conference, Federal Reserve Bank of Philadelphia - New Perspectives on Consumer Behavior in Credit and Payments Markets, OCC Emerging Risks in the Banking System Conference, Federal Reserve Bank of Richmond, Federal Reserve Bank of New York*, Louisiana State University, University of Central Florida*
2022: 11th FDIC Consumer Research Symposium, 2022 GSU-RFS Fintech Conference, Louisiana State University, 5th Annual IMF Macro-Financial Research Conference, 4th Future of Financial Information Conference, 2022 FIRS Conference*, NBER Summer Institute - Big Data and High-Performance Computing for Financial Economics, Northern Finance Association, Financial innovation: A threat to financial stability conference at Federal Reserve Bank of Atlanta, FHFA Econ Summit*, 6th CFPB Research Conference
2021: American Economic Association (Poster), Behavioural Finance Working Group 2021, Asian Bureau of Finance and Economic Research 8th Annual Conference 2021*, CEPR Household Finance Seminar Series, World Finance Conference, Louisiana State University, 15th North American Meeting of the Urban Economics Association, Financial Management Association, University of Houston*, The University of Texas at El Paso*, Wilfrid Laurier University*
2020: Midwest Finance Association 2020 Annual Meeting, UAB Personal Finance Symposium 2020, Urban Economic Association 2020, 2020 Boulder Summer Conference on Consumer Financial Decision Making (Poster), Louisiana State University, Tulane University, Financial Management Association 2020 Annual Meeting**, Western Economic Association Annual Conference 2020, UZH Young Researcher Workshop on Climate Finance, University of Houston*
2019: SFS Cavalcade 2019, AREUEA 2019 Annual Meetings, AFA Ph.D. Poster Session 2019, American Economic Association 2019 (Poster Session), Midwest Finance Association 2019 Annual Meeting, Financial Management Association 2019 Annual Meeting, University of Houston, CEAR/MRIC Behavioral Insurance Workshop 2019, University of Central Florida*
2018: Midwest Finance Association 2018 Annual Meeting, Financial Management Association 2018 Annual Meeting, FMA Doctoral Student Consortium 2018, Louisiana State University, University of Sydney, Cornerstone Research, Boulder Summer Conference 2018 (Poster Session), ARES 2018, University of Houston
2017: FMA 2017, IBEFA Summer Meeting 2017*, SWFA 2017, University of Houston