Raluca A RomanRaluca A. Roman is Senior Economist at the Federal Reserve Bank of Philadelphia, and formerly at the Federal Reserve Bank of Kansas City. She holds a Ph.D. in Finance from University of South Carolina. Her research areas include banking and financialinstitutions consumer finance, corporate finance, and international finance. She has published articles in the Journal of Financial and Quantitative Analysis, Management Science, Journal of Financial Intermediation, Journal of Money, Credit, and Banking, Financial Management, Journal of Corporate Finance, Journal of International Money and Finance, Journal of Banking and Finance, and has received four awards for her papers at conferences. She also co-authored the book TARP and other Bank Bailouts and Bail-Ins around the World: Connecting Wall Street, Main Street, and the Financial System (2020, Elsevier). Raluca has presented her research and discussed the research of others at numerous finance and regulatory conferences. Read More Read Less