Yanan Ellen Zhang
Yanan Zhang is a senior financial economist of the Enterprise Risk Analysis Division at the Office of the Comptroller of the Currency (OCC).
Prior to joining the OCC in 2010, Dr. Zhang was a senior economist at Freddie Mac. She earned a Ph.D. from University at Albany.
Dr. Zhang’s research interests include retail credit risk and consumer behavior in banking and finance, and macro prudential policy for bank regulation. Recently she studied different modeling choices in building stress test models for first lien mortgages, and adverse selection in securitization in the home equity market.