Paul Getman is executive director of Moody’s Analytics. Paul oversees the company’s business affairs and strategic planning. With more than 20 years of experience in consulting and research on economic issues, Paul has testified before government agencies and regularly gives speeches on the U.S. outlook for industry and trade groups, nonprofit organizations, and senior corporate management.

Paul has an MA in economics and has completed all but the dissertation requirements of a PhD from the University of Pennsylvania’s Wharton School.

Mark M. Zandi is chief economist of Moody’s Analytics, where he directs economic research. Moody’s Analytics, a subsidiary of Moody’s Corp., is a leading provider of economic research, data and analytical tools. Dr. Zandi is a cofounder of the company Economy.com, which Moody’s purchased in 2005.

Dr. Zandi’s broad research interests encompass macroeconomics, financial markets and public policy. His recent research has focused on mortgage finance reform and the determinants of mortgage foreclosure and personal bankruptcy. He has analyzed the economic impact of various tax and government spending policies and assessed the appropriate monetary policy response to bubbles in asset markets.

A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, Dr. Zandi frequently testifies before Congress on topics including the economic outlook, the nation’s daunting fiscal challenges, the merits of fiscal stimulus, financial regulatory reform, and foreclosure mitigation.

Dr. Zandi conducts regular briefings on the economy for corporate boards, trade associations and policymakers at all levels. He is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, and The Reinvestment Fund, a large CDFI that makes investments in disadvantaged neighborhoods. He is often quoted in national and global publications and interviewed by major news media outlets, and is a frequent guest on CNBC, NPR, Meet the Press, CNN, and various other national networks and news programs.

Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which provides an assessment of the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by the New York Times as the “clearest guide” to the financial crisis.

Dr. Zandi earned his BS from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania. He lives with his wife and three children in the suburbs of Philadelphia.

Michael Brisson is an economist at Moody’s Analytics. He develops state and local revenue forecasts on various consulting projects and is a frequent contributor on energy-related issues. Mike holds a PhD in Applied Economics from Northeastern University, an MS in Economics from the University of Buffalo, and a BA in Political Science from the State University of New York at Oswego.

Andres Carbacho-Burgos is a senior economist with Moody’s Analytics. He covers housing and state and regional economies, and writes frequently about inflation for Precis Macro from the company's West Chester PA office. Before joining Moody’s Analytics, he taught economics at Texas State University, where he also researched open-economy macroeconomics and income inequality. He obtained his PhD and master's degrees in economics from the University of Massachusetts at Amherst and his bachelor’s degree in economics from Carleton College.

Steven G. Cochrane is managing director of Moody’s Analytics, where he directs the research and development activities of the research staff. Steve’s research specialty is regional economics and he manages the U.S. regional forecasting service. Steve also edits the Regional Financial Review, the firm’s monthly publication that analyzes U.S. macro, regional, industry and international trends. Steve has been an analyst with Moody’s Analytics since 1993. He earned a PhD in regional science at the University of Pennsylvania and is a Penn Institute for Urban Research Scholar. Steve earned a master's degree at the University of Colorado at Denver, and a bachelor's degree at the University of California at Davis.

Cristian deRitis is a director at Moody's Analytics. He performs consumer credit modeling and analysis with the Credit Analytics group and contributes to the analysis for CreditForecast.com. Before joining the Moody's Analytics West Chester PA operation, Cris worked for Fannie Mae and taught at Johns Hopkins University in Washington DC. He received a PhD and MA in economics from Johns Hopkins University and graduated summa cum laude from Michigan State University with a bachelor's degree in economics.

Mark Hopkins is a senior economist at Moody’s Analytics. His responsibilities include macroeconomic research, international forecasting, and U.S. federal fiscal policy. Dr. Hopkins contributes to the Moody’s Analytics U.S. macroeconomic model and is responsible for forecasting Canada’s economy. Previously, Mark taught macroeconomics at Gettysburg College and served as international economist on the staff of the President’s Council of Economic Advisers. He has published articles and chapters related to international economics, economic growth and foreign policy. He received his PhD in economics from the University of Wisconsin-Madison, an MSc from the London School of Economics, and a BA from Wesleyan University.

Scott Hoyt is senior director of consumer economics for Moody's Analytics. He is responsible for the firm’s consumer forecasts and analysis, assists in the production of its U.S. economic forecast, and is a regular contributor to the Economy.com web site and a regular speaker at our client conferences. He is a lead analyst for CreditForecast.com

Before joining Moody’s Analytics, Dr. Hoyt spent five years as an economist for J.C. Penney, where he did extensive work in the company's credit department. He received his PhD and MA in economics from the University of Pennsylvania and his BA summa cum laude from Bates College.

Tony Hughes is a managing director in the Economic & Consumer Credit group at Moody’s Analytics. He is the head of a small group of high-caliber modelers, charged with identifying new business opportunities for the company. Prior to this appointment, he led the Consumer Credit Analytics team for eight years from its inception in 2007. His first role after joining the company in 2003 was as lead economist and head of the Sydney office of the company Moody’s Economy.com.

Dr. Hughes helped develop a number of Moody’s Analytics products. He proposed the methodology behind CreditCycle and CreditForecast 4.0, developed the pilot version of the Stressed EDF module for CreditEdge, and initiated the construction of the Default, Prepayment and Loss Curves product, which provides forecasts and stress scenarios of collateral performance for asset-backed securities and residential mortgage-backed securities deals worldwide. More recently, he championed the development of the Pre-Provision Net Revenue Factors Library, a tool that provides industry-level projections of key bank balance sheet line items. In the credit field, Dr. Hughes’ research has covered all forms of retail lending, large corporate loans, commercial real estate, peer-to-peer, structured finance, and the full range of PPNR elements. He has conducted innovative research in deposit modeling and in the construction of macroeconomic scenarios for use in stress-testing.

Dr. Hughes has managed a wide variety of large projects for major banks and other lending institutions. In addition, he has published widely in industry publications such as American Banker, Nikkei, GARP, and the Journal of Structured Finance as well as four papers in peer-reviewed academic journals. He obtained his PhD in econometrics from Monash University in Australia in 1997.

Adam Kamins is a senior economist at Moody’s Analytics. He manages the firm’s U.S. subnational forecasting service, overseeing the generation of all state and metro area baseline figures while working closely with clients on customized scenarios. In addition, Adam covers a wide variety of topics related to regional economics and serves as the firm’s primary expert on the New York and Northeast economies. Other responsibilities include developing and maintaining a variety of specialized models, including the Moody’s Analytics commercial real estate forecasts and client-specific databases.

Adam’s work has been featured by such outlets as CBS, NBC, CNBC, Fox, the Houston Chronicle, and the New York Post, among others. He has also been cited frequently by Crain’s New York Business on a wide variety of issues. Adam regularly presents to a diverse group of audiences on the national and regional economic outlook, as well as specific areas of interest including affordable housing, single-family rental homes, the impact of low oil prices, and regional convergence.

Prior to joining Moody’s Analytics, Adam was a research manager at the Initiative for a Competitive Inner City, where he analyzed urban economies across the U.S. He holds a master’s degree in business administration from the University of Chicago Booth School of Business and a bachelor’s degree in quantitative economics from Tufts University.

Sophia Koropeckyj is a managing director for Moody’s Analytics. Sophia oversees the firm's publications and consulting projects, edits many of the publications, trains new staff members, and gives presentations to clients and trade groups. She covers labor markets, auto-related industries, and the midwestern economy. Based in West Chester PA, Sophia has been with Moody’s Analytics since 1994. Previously, she worked as an economist for the Great Lakes Trade Adjustment Assistance Center and WEFA. Sophia has completed all but the dissertation portion of her doctoral studies in economics at the University of Michigan. She earned a master’s degree in finance at Drexel University and a bachelor’s degree in economics and history at the University of Pennsylvania.

Chris Lafakis is a senior economist at Moody's Analytics. His expertise is in model development, model validation, macroeconomics and energy economics. Based in West Chester PA, he also covers the California economy and contributes to the Economy.com web site. Chris has been quoted by media outlets, including CNBC and The Wall Street Journal, and often speaks at economic conferences and events. He received his bachelor's degree in economics from the Georgia Institute of Technology and his master's degree in economics from the University of Alabama.

Janet Lee is a senior economist in the Credit Analytics group at Moody’s Analytics, where she has developed credit-risk and stress-testing models for various financial institutions, including a major commercial bank and auto finance company. Janet graduated from the University of Chicago and did her PhD studies in economics at the University of Pennsylvania. She is a CFA charterholder and has previously worked at Prudential Financial and the Federal Reserve Bank of Chicago.

Samuel W. Malone is Director of Economic Research at Moody's Analytics. Dr. Malone has taught and consulted at top institutions in Europe and South America, including Oxford, the University of Navarra, and the Central Banks of Venezuela and Peru. He is coauthor of the book Macrofinancial Risk Analysis, published in the Wiley Finance series with coauthor Dale Gray of the International Monetary Fund, as well as the author of multiple academic journal articles in economics and applied math published in outlets such as the Journal of Applied Econometrics, the International Journal of Forecasting, and the Annual Review of Financial Economics. He holds undergraduate degrees in mathematics and economics from Duke University, where he studied as an A.B. Duke scholar and graduated with summa cum laude Latin honors, and MPhil and doctoral degrees in economics from the University of Oxford, where he studied as a Rhodes Scholar. He retains an appointment as Adjunct Professor of Finance at the University of the Andes School of Management in Bogotá, Colombia.

Jeremy Nowak is president of J Nowak Associates, a consulting firm that specializes in social investment, public policy and strategic planning. Current clients include The Ewing Marion Kauffman Foundation, The MacArthur Foundation, The California Endowment, and the Berwind Office of the Trustees. Mr. Nowak is also the current Board chair and a columnist for a new media startup in Philadelphia: The Philadelphia Citizen. 

He was the President of the William Penn Foundation in 2011 and 2012 during which he helped develop the blueprint for its current grant-making. Mr. Nowak was the founding CEO of The Reinvestment Fund (TRF), a community development financial institution that provided more than $1 billion in support of housing, small businesses and community facilities during his tenure. He also launched a real estate development company, a public policy consulting arm, and a spatial analytics firm (policymap.com) from the TRF platform. 

Currently he is a nonresident senior fellow at the Brookings Institution and a nonresident scholar at the University of Pennsylvania’s Institute for Urban Research. In 2012 and 2013 he was appointed to chair the Board of the Federal Reserve Bank of Philadelphia. His tenure at the Fed ran from 2008 through 2013.  

Active in Philadelphia’s civic life, he was the founding Board Chair of Mastery Charter Schools, a network of 16 inner-city schools that has received national attention for student achievement. He was the founding Board Chair of Alex’s Lemonade Stand, a charity that has raised more than $100 million in support of pediatric cancer research. In 1995, Mr. Nowak received the Philadelphia Award, the city’s highest civic honor. Both Villanova University (2000) and La Salle University (2008) have awarded him honorary doctorates in recognition of his civic achievements.

Jeremy was a fellow at the Aspen Institute’s Entrepreneurial Educators program in 2007. The Opportunity Finance Network presented him with the Ned Gramlich award for his work in responsible finance in 2011. He has testified in Congress in support of the Treasury Department’s CDFI Fund; in support of the National Endowment for the Arts; and in support of the Obama Administration’s healthy food initiative. In 2012 he co-chaired the meeting of the National Arts Policy Roundtable at the Sundance Institute. 

He has authored numerous articles and chapters in books on subjects as diverse as development finance, urban place making, and housing policy. He holds a BA degree in Philosophy from The Pennsylvania State University (1973) and a PhD in cultural anthropology from the New School for Social Research (1986), where his dissertation won the Alfred Schutz award.

Adam Ozimek is an assistant director and economist in the West Chester office of Moody’s Analytics. Adam covers state and regional economies, as well U.S. labor markets and demographics. Prior to joining Moody’s Analytics, Adam was Senior Economist and Director of Research for Econsult Solutions, an economics consulting company. He received his PhD in economics from Temple University and his bachelor’s degree in economics from West Chester University.

Anamaria Pieschacon is a senior economist at Moody’s Analytics and a member of the Credit Analytics group. Anamaria develops and stress-tests credit models in various consultative projects. Before joining Moody’s Analytics, Anamaria was a vice president in Commodities Research at Goldman Sachs in New York, where she primarily analyzed oil markets. Prior to that, she was a faculty member at Stanford University and the Kellogg School of Management at Northwestern University. Anamaria holds a PhD in Economics from Duke University, and an MA and BS in Economics from Universidad de los Andes, Colombia.

Brian Poi is a director of Consumer Credit Analytics at Moody’s Analytics in West Chester PA, where he develops a variety of credit loss, credit origination and deposit account models for use in both strategic planning and CCAR/DFAST environments. He is equally adept at developing primary models as well as playing the role of validator for models developed elsewhere. Dr. Poi also provides thought leadership and guidance on the use of advanced statistical and econometric methods in economic forecasting applications. Before joining Moody’s Analytics, Dr. Poi was an econometric developer and director of professional services at StataCorp LP, a leading provider of statistical analysis software. He received his PhD and MA in economics from the University of Michigan after graduating magna cum laude from Indiana University.

Ruth Stroppiana is chief international economist at Moody's Analytics. Based in Sydney, Dr. Stroppiana is responsible for global macroeconomic research on the Economy.com web site. Dr. Stroppiana also oversees the global forecasting service, including non-U.S. alternative scenarios. Dr. Stroppiana writes on a variety of issues for the Economy.com web site and the Regional Financial Review. She formerly directed EMEA economics in the Moody's Analytics London office and has extensive experience in analyzing countries in the Asia-Pacific region and Europe and in international economic consulting. She speaks regularly at Moody’s Analytics client conferences and has been quoted in a variety of regional and global publications and interviewed by major news media outlets. Dr. Stroppiana received her PhD in economics from the University of Queensland, Australia.

Ryan Sweet is director of real-time economics at Moody's Analytics. He is also editor-in-chief of the Economy.com web site, to which he regularly contributes, and a member of the U.S. macroeconomics team in West Chester PA. His areas of specialization include U.S. monetary policy and forecasting high-frequency economic indicators. He is also an adjunct professor in the Economics and Finance Department at West Chester University of Pennsylvania. He received his master's degree in economics from the University of Delaware and his bachelor's degree in economics from Washington College.

Dan White is a senior economist at Moody’s Analytics in West Chester PA, where he coordinates consulting and regional economic research.

Dan’s broad research interests include macroeconomics, energy economics, regional economic development, and public policy. His recent research has focused on public policy responses to the Great Recession and ways to better prepare federal and subnational fiscal conditions for changes in the business cycle. He also has the pleasure of working directly with a number of governments in a consulting role.

Dan regularly presents to clients, conferences, and policymakers of all levels. He has been featured in a number of print, radio, and televised media outlets ranging from the Wall Street Journal to National Public Radio.

Before joining Moody’s Analytics, Dan worked as a financial economist for the New Mexico State Legislative Finance Committee in Santa Fe, where he forecast revenues and analyzed a wide range of policy issues concentrated around economic development, public investment, and debt management. Dan holds an MA in economics as well as undergraduate degrees in finance and international business from New Mexico State University.

Anna Zabrodzka is an economist at the Moody's Analytics Prague office. Her responsibilities include providing commentary and research on key economies in Central and Eastern Europe. Before joining Moody's Analytics, Anna worked as a trainee for the European Central Bank, focusing on the analysis of monetary policy operations and euro money markets. Anna holds a master's degree in quantitative economics from Goethe University in Frankfurt am Main and a BSc in economics and finance from Queen Mary University of London.

Petr Zemcik is director of economic research at the Moody’s Analytics London office. He is responsible for analysis, modeling and forecasting for Europe. Dr. Zemcik also supervises the real-time coverage of Europe for the Economy.com web site. He previously worked at CERGE-EI, a joint workplace of the Center for Economic Research and Graduate Education of Charles University in Prague and the Economics Institute of the Academy of Sciences of the Czech Republic, and at Southern Illinois University in Carbondale. He has published numerous articles on econometric methodology and on real estate bubbles in the U.S. and in Europe in peer-reviewed professional journals. He holds a PhD and MA in economics from the University of Pittsburgh and MSc in econometrics and operations research from the University of Economics in Prague.