I am a PhD candidate in Economics at University College Dublin. My research examines how the organisational geography of banking groups shapes exposure to financial shocks, regulatory interventions, and credit access. I am on the job market for the 2026–2027 academic year.
My research program examines how the organisational geography of banking groups governs the transmission of financial shocks to local economies. Each paper in my portfolio exploits the fact that banking groups operate across multiple local markets through their branch networks, creating predetermined geographic exposure that can be used for causal identification. My job market paper, “Failure in the Margins,” traces how U.S. bank failures transmit to county-level personal income through multi-county branch footprints. “Stress Tests on Main Street” maps holding-company stress-test eligibility to counties through deposit networks, finding no evidence of a “growth penalty.” “Consolidation-Driven De-Branching” shows that resolution-driven acquisitions compress local branch infrastructure in overlap markets. Together, these papers offer a unified lens on how banking geography shapes economic outcomes across distinct institutional settings.
Maps U.S. bank failures to counties through pre-failure branch footprints. A one-percentage-point increase in failure exposure reduces annual personal income growth by 0.14pp (IV). Income remains 1–2% below its pre-failure path for approximately four years before gradually recovering.
Tests the “growth penalty” hypothesis using the introduction of CCAR. Median exposure (21% of county deposits) raises real personal income by 1.52pp cumulatively over four years. Banks increase capital and reduce wholesale funding without cutting loan intensity.
Email: [email protected]
Phone: (+353) 087 344 8748
Office: Geary Institute of Public Policy, University College Dublin, Dublin 4, Ireland