Center for Financial Stability

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Kate Flanagan
Senior Fellow / Consumer Finance

Kate Flanagan is a Senior Fellow focusing on Consumer Lending. Ms. Flanagan is a veteran analytics expert, and brings to CFS an extensive background in the practical application of quantitative methods to all aspects of the consumer credit cycle. She is best known for her ability to embed mathematical techniques and discipline seamlessly into business processes.

In addition to her work with the CFS, Ms. Flanagan consults with major financial institutions and analytics organizations around the globe. Most recently, she upgraded the modeling and analytics software for a large European bank across their Western European markets.

For over 20 years, Ms. Flanagan was an executive at Citibank, working across various consumer business lines in 40 markets. During the financial crisis, she served as the Retail Bank’s senior expert on risk reporting structures, preparing the bank for greatly expanded regulatory reporting requirements. Prior to that, Ms. Flanagan was based in London, where she was Portfolio Management Head for EMEA Cards. She drove significant increases in per-account profitability across 20 EMEA markets and managed the Cards relationships with Risk and Technology. In collaboration with Risk, she helped to upgrade lending models in markets from Romania to Pakistan, and also drove implementation of enhanced analytical tools in both Russia and Sweden. In previous roles in Global Cards and LATAM Risk, Kate implemented scoring models and production analytics software across 30 markets, covering everything from credit origination to account retention. Her work in the Global Strategic Analytics Unit resulted in the origination of several strategic alliances and the signing of a global strategy software contract. Earlier roles involved model implementation in the mammoth US Cards business.

Her singular objective, in her various roles, was to achieve sustainable bottom line results through the use of enhanced analytics. Her success in these efforts was due to her ability to couple the technical software implementation with the hands-on “soft” work necessary to win the buy-in of line staff.

Ms. Flanagan holds a BA in Mathematics from Brown University and an MBA in Finance from Columbia University.


Advisory Board

Randal K. Quarles

William R. Rhodes

Eduardo Aninat, Ph.D.

Sheila Bair

Senator Bill Bradley

Joyce Chang

M. Shafik Gabr

Charles Goodhart, CBE, FBA

Henry Kaufman, Ph.D.

Barbara G. Novick

Guillermo Ortiz, Ph.D.

Richard L. Sandor, Ph.D., Dr. Sc.h.c.

Myron S. Scholes, Ph.D.

The Honorable Carole L. Brookins (2010-20)

Judge Richard A. Posner (2010-20)


Sheila Bair
Advisory Board Member and Senior Fellow

William A. Barnett
Director / Advances in Monetary and Financial Measurement

David Beers
Senior Fellow / Sovereign Risk Analysis and Policy

Bradley J. Bondi
Senior Fellow / Legal Studies

Kevin R. Brock
Senior Fellow / Cybersecurity Strategy

Alvin Chua
Senior Advisor

Stephen Dizard
Special Counselor

John D. Feldmann
Senior Fellow

Kate Flanagan
Senior Fellow / Consumer Finance

Peter Flocos, Esq. (Trustee)
Managing Director, Policy and Regulation

Patricia Wilson Fridley
Senior Advisor

Diane B. Glossman
Senior Fellow / Financial Institutions

Lawrence Goodman
President and Founder

Steve H. Hanke
Special Counselor

Steven Lofchie
Senior Fellow / Legal Studies

Robin L. Lumsdaine
Senior Fellow / International Finance

Jack Malvey
Special Counselor

David X Martin
Special Counselor

Ryan Scott Mattson
Research Associate

Nicholas Sargen
Senior Fellow / Global Markets and Investment Management

Charles Schott
Senior Advisor

Kurt Schuler
Senior Fellow / Financial History

Liting Su
Research Associate

Jeff van den Noort
Chief Technology Officer

Yubo Wang
Senior Fellow / Financial Markets