Since 2003, Mike Carhill has served as a Director In the Risk Analysis Division (RAD) of the Office of the Comptroller of the Currency. RAD employs quantitative modeling experts who specialize in one or another of about one-dozen lines of business to advise bank examiners, bankers, and policy makers on the state of the art in risk-management-information systems, asset pricing models, and statistical modeling of fair-lending compliance.Mike joined the OCC as a staff economist in 1991, and was Deputy Director for Market Risk Modeling from 1995-2003. Before joining the OCC, Mike was a staff economist with the Federal Home Loan Bank of Atlanta, engaged in researching the role that interest-rate risk plays in thrift profitability and as a consultant on risk-management issues. He received a Ph.D. in economics in May 1988 from Washington University.
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