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Curriculum Vitae (updated April, 2024)

Mark J. Kutzbach

Federal Deposit Insurance Corporation

550 17th Street NW

Washington, DC 20429

Office: 202-898-6520

Email: mkutzbach@fdic.gov

EDUCATION

Doctor of Philosophy in Economics, 2009

University of California, Irvine

Dissertation title: “Essays on urban economics: Motorization, migration, and agglomeration.”

Principal advisor: Professor Jan Brueckner

Master’s Degree in Economics, 2008

University of California, Irvine

Bachelor of Arts, 2002

Northwestern University (Evanston, Illinois)

Major in Economics (with honors), Minor in History (Modern Europe)

PROFESSIONAL EXPERIENCE

Senior Financial Economist (Research), 2017-Present

Federal Deposit Insurance Corporation (Washington, District of Columbia)

Division of Insurance and Research (DIR)

Center for Financial Research (CFR) Financial Modeling and Research Section

Senior Economist (Research), 2009-2017

U.S. Census Bureau (Suitland, Maryland)

Center for Economic Studies (CES)

Longitudinal Employer-Household Dynamics (LEHD) Economics Research Group

Intern, Consultant, 2006, 2008

World Bank (Washington, District of Columbia)

Sustainable Development

South Asia Region

Teaching Assistant, 2005, 2008

University of California, Irvine (Irvine, California)
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Business Associate, 2001-2004

ZS Associates (Chicago, Illinois)

Research Assistant, 2000

Potsdam Institute for Climate Impact Research (PIK), (Potsdam, Germany)

WORKS IN PROGRESS

Mark Kutzbach, Jon Pogach. 2022. “Can Banks Lend Like Fintechs? Technology, PPP, and the COVID19 Pandemic.” Federal Deposit Insurance Corporation, Center for Financial Research, Working Paper 

Series FDIC CFR WP 2022-02.

John Haltiwanger, Mark Kutzbach, Giordano Palloni, Henry Pollakowski, Matthew Staiger, and Daniel 

Weinberg. 2020. “The Children of HOPE VI Demolitions: National Evidence on Labor Market 

Outcomes.” National Bureau of Economic Research Working Paper No. 28157.

“Spatial Retail Banking Markets.” (with Gary Wagner and C. Luke Watson)

REFEREED PUBLICATIONS

Ryan Goodstein and Mark Kutzbach. 2024. “The Effect of Job Loss on Bank Account Ownership.” 

Journal of Money, Credit and Banking. (see Federal Deposit Insurance Corporation, Center for Financial 

Research, Working Paper Series FDIC CFR WP 2022-13.)

Henry O. Pollakowski r Daniel H. Weinberg r Fredrik Andersson r John C. Haltiwanger r Giordano 

Palloni r Mark J. Kutzbach. 2022. “Childhood Housing and Adult Earnings: A Between-Siblings 

Analysis of Housing Vouchers and Public Housing.” American Economic Journal: Economic Policy, 

14(3): 235-272.

Andrew Foote, Mark Kutzbach, and Lars Vilhuber. 2021. “Recalculating - How Uncertainty in Local 

Labor Market Definitions Affects Empirical Findings.” Applied Economics, 53(14): 1598-1612.

Brian Asquith, Judith Hellerstein, Mark Kutzbach, and David Neumark. 2021. “Social capital 

determinants and labor market networks.” Journal of Regional Science, 61(1): 212-260.

Jeffrey Groen, Mark Kutzbach, and Anne Polivka. 2020. “Storms and Jobs: The Effect of Hurricanes on 

Individuals’ Employment and Earnings over the Long Term.” Journal of Labor Economics, 38(3): 653-

685.

Judith Hellerstein, Mark Kutzbach, and David Neumark. 2019. “Labor Market Networks and Recovery 

from Mass Layoffs: Evidence from the Great Recession Period.” Journal of Urban Economics, 113.
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Melissa Chow, Hubert Janicki, Mark Kutzbach, Lawrence Warren, and Moises Yi. 2018. “Hard to Count: 

How Survey and Administrative Records Modeling Can Enhance Census Nonresponse Followup.”

Statistical Journal of the IAOS, 34(4): 505-511.

Fredrik Andersson, John Haltiwanger, Mark Kutzbach, Henry Pollakowski, and Daniel Weinberg. 2018.

“Job Displacement and the Duration of Joblessness: The Role of Spatial Mismatch.” The Review of 

Economics and Statistics, 100(2): 203-218.

Samuel Haney, Ashwin Machanavajjhala, John Abowd, Matthew Graham, Mark Kutzbach, and Lars 

Vilhuber. 2017. “Utility Cost of Formal Privacy for Releasing National Employer-Employee Statistics.” 

In SIGMOD '17 Proceedings of the 2017 ACM International Conference on Management of Data.

Chicago, Illinois: ACM Special Interest Group on Management of Data: 1339-1354.

Judith Hellerstein, Mark Kutzbach, David Neumark. 2013. “Do Labor Market Networks have an 

Important Spatial Dimension?” Journal of Urban Economics, 79(3): 39-58.

Mark Kutzbach. 2009. “Motorization in Developing Countries: Causes, Consequences, and Effectiveness 

of Policy Options.” Journal of Urban Economics, 65(2): 154-166.

Ivan Jeliazkov, Jennifer Graves, and Mark Kutzbach. 2009. “Fitting and Comparison of Models for 

Multivariate Ordinal Outcomes.” Advances in Econometrics: Bayesian Econometrics, 23: 115-156. 

CONFERENCE PAPERS

Melissa Chow, Hubert Janicki, Mark Kutzbach, Lawrence Warren, and Moises Yi. 2017. “A Comparison 

of Training Modules for Administrative Records Use in Nonresponse Followup Operations: The 2010 

Census and the American Community Survey.” In JSM Proceedings, Government Statistics Section. 

Alexandria, VA: American Statistical Association: 1569-1620. (Also see U.S. Census Bureau, Center for 

Economic Studies Discussion Paper 17-47.)

Matthew Graham, Mark Kutzbach, and Danielle Sandler. 2016. “Developing a Residence Candidate File 

for Use with Employer-Employee Matched Data.” 2015 Federal Committee on Statistical Methodology 

Research Conference Proceedings. Washington, District of Columbia.

TECHNICAL PAPERS

Matthew Graham, Mark Kutzbach, and Danielle Sandler. 2017. “Developing a Residence Candidate File 

for Use with Employer-Employee Matched Data.” U.S. Census Bureau, Center for Economic Studies 

Discussion Paper 17-40. (Also see CES Technical Notes Series 17-01.)

Andrew Green, Mark Kutzbach, and Lars Vilhuber. 2017. “Two Perspectives on Commuting: A 

Comparison of Home to Work Flows Across Job-Linked Survey and Administrative Files.” U.S. Census 

Bureau, Center for Economic Studies Discussion Paper 17-34. 
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Matthew Graham, Mark Kutzbach, and Brian McKenzie. 2014. “Design Comparison of LODES, and 

ACS Commuting Data Products.” U.S. Census Bureau, Center for Economic Studies Discussion Paper 

14-38.

Mark Kutzbach. 2010. “Access to Workers or Employers? An Intra-Urban Analysis of Plant Location 

Decisions.” U.S. Census Bureau, Center for Economic Studies Discussion Paper 10-21. 

OTHER PUBLICATIONS AND CREDITED CONTRIBUTIONS

Federal Deposit Insurance Corporation (FDIC), 2021 FDIC National Survey of Unbanked and 

Underbanked Households (October 2022).

Federal Deposit Insurance Corporation (FDIC), How America Banks: Household Use of Banking and 

Financial Services, 2019 FDIC Survey (October 2020).

Groen, Jeffrey, Mark Kutzbach, and Anne Polivka. 2020. How did the 2005 hurricanes affect individuals’ 

long-term earnings? U.S. Bureau of Labor Statistics, Monthly Labor Review. 

Neumark, David, Judith K. Hellerstein, and Mark J. Kutzbach, 2018. “Do Job Market Networks Help 

Recovery from Mass Layoffs?” FRBSF Economic Letter, 2018-05. 

FDIC, Crisis and Response: An FDIC History, 2008–2013. Washington, DC: Federal Deposit Insurance 

Corporation. 2017.

Kutzbach, Mark, 2014. “Migration and Climate Change – Edited by Graeme Hugo, Cheltenham, UK: 

Edward Elgar. 2013. The International Library of Studies on Migration series. xlii + 984 pp. £325 

(hardback). ISBN 978-1-84980-851-4.” Growth and Change, 45: 159–161.

Kutzbach, Mark, 2010. “Megacities and Megatraffic,” Access Magazine, Vol. 37: 31-35.

The World Bank. 2006. “International Development Association, Program Document for a Proposed 

Credit in the Amount of SDR27 Million (US$40 Million Equivalent) To The People’s Republic of 

Bangladesh for a Proposed Bangladesh Railway Reform Programmatic Development Policy Credit.” The 

World Bank, South Asia Region, Infrastructure and Energy Sector Unit, Report No. 37201-BD. 

GRANTS

Russell Sage Foundation, Project #: 83-15-24 (2015)

“Economic Mobility: The Impact of Individual, Parent and Spatial Factors Using National Survey and 

Administrative Data”

Award: $ 150,000 over two years

Role: Co-Investigator
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Russell Sage Foundation, Project #: 85-14-06 (2014)

“Labor Market Networks and Recovery from the Great Recession”

Award: $136,822 over two years

Role: Co-Investigator

U.S. Census Bureau, Improving Operational Efficiency Program, Dev10 (2011)

“Research Program to Determine the Possibilities from Linking ACS & LEHD Data”

Award: $1,050,178 over three years

Role: Project lead

MacArthur Foundation, How Housing Matters to Families & Communities Program (2010)

“The Impact of Children's Housing on Their Long-Term Employment and Earnings”

Award: $700,000 over three years

Role: Co-Investigator

FELLOWSHIPS AND AWARDS

FDIC Division of Insurance and Research (DIR) Outstanding Contribution by a TEAM Award 2023: 

Options for Deposit Insurance Reform Team (2024)

FDIC Mission Achievement award for analysis and writing of the 2021 Household Survey report. The 

report released on Oct 25 2022 successfully achieves a 2022 FDIC Performance Goal (2022)

FDIC Mission Achievement award for analysis and writing of the 2019 How America Banks report, and 

presenting its findings (2020)

FDIC Mission Achievement award for implementing the Economic Fellow program to pair doctoral 

candidates with FDIC economists to pursue joint research (2020)

FDIC Group Mission Achievement award for contributions to the publication of Crisis and Response: An 

FDIC History, 2008-2013 (2018)

FDIC Chairman’s Excellence Award for extraordinary accomplishments related to the mission, vision and 

values which assist the FDIC in achieving its strategic goals (2017)

Bronze Medal Award for Superior Federal Service, U.S. Census Bureau (2010)

Dr. Sheen T. Kassouf Endowed Fellowship, Excellence in Course Work and Research, UC Irvine (2008)

Ken Small Award, Best Ph.D. Student in Transportation and Urban Economics, UC Irvine (2008)

Ph.D. Graduate Student Fellowship, University of California Transportation Center (2006-2009)

Research Fellowship, Department of Economics, UC Irvine (2006-2008)

Social Science Fellowship, School of Social Sciences, UC Irvine (2004-2009)

RESEARCH PRESENTATIONS

Consumer Financial Protection Bureau, Consumer Finance Institute (Philadelphia FRB), Federal Deposit 

Insurance Corporation (FDIC), and the Federal Reserve Board, Consumer Finance Round Robin, 

Washington, DC (March 2024)

Financial Management Association, FMA Annual Meeting, Chicago, IL (Oct. 2023)
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Interagency Risk Quantification Forum, A Joint Conference of the Federal Reserve Bank of Philadelphia, 

FDIC & OCC, Arlington, VA (Nov. 2022)

University of Colorado Boulder, Leeds School of Business, Boulder Summer Conference on Consumer 

Financial Decision Making, Boulder, CO (May 2022)

Federal Deposit Insurance Corporation, Seminar, Washington, DC (Mar. 2022)

Society of Government Economists Virtual Seminar: Unbanked Households, Poverty, and Taxation, 

Online (Nov. 2021)

Urban Economics Association, North American Meeting, Online (Oct. 2021)

Federal Deposit Insurance Corporation, Seminar, Washington, DC (Jul. 2021)

Consumer Financial Protection Bureau, Federal Reserve Board and the Consumer Finance Institute 

(Philadelphia FRB), Consumer Finance Round Robin, Washington, DC (April 2019)

Urban Economics Association, New York, NY (Oct. 2018)

Federal Deposit Insurance Corporation, Seminar, Washington, DC (Dec. 2016)

Southern Economic Association, Annual Meeting, Washington, DC (Nov. 2016)

North American Regional Science Council, Urban Economics Association, Minneapolis, MN (Nov. 

2016)

U.S. Census Bureau, Center for Economic Studies Brownbag Series, Suitland, MD (Sept. 2016)

Council for Community and Economic Research, Census LED Webinars, Suitland, MD (Sept. 2016)

American Statistical Association, 2016 Joint Statistical Meetings, Chicago, IL (July 2016)

Population Association of America, 2016 Annual Meeting, Washington, DC (Mar. 2016)

Federal Committee on Statistical Methodology, 2015 Research Conference, Washington, DC (Dec. 2015)

BLS-Census Workshop on Empirical Research using BLS-Census Data, Suitland, MD (Jun. 2015)

NSF-Census Research Network, NCRN Meeting Spring 2015, Suitland, MD (May 2015)

Penn State University, Special Seminar hosted by the Penn State Center for Climate Risk Management 

and by SCRiM, State College, PA (Nov. 2014)

North American Regional Science Council, Urban Economics Association, Washington, DC (Nov. 2014)

NSF-Census Research Network, NCRN Meeting Spring 2014, Suitland, MD (May 2014)

Transportation Research Board Annual Meeting: Census for Transportation Planning Subcommittee, 

Washington, DC (Jan. 2014)

U.S. Census Bureau, Center for Economic Studies Seminar Series, Suitland, MD (Dec. 2013)

North American Regional Science Council, Urban Economics Association, Atlanta, GA (Nov. 2013)

Comparative Analysis of Enterprise Data (CAED) Conference, Atlanta, GA (Sep. 2013)

Society of Labor Economists (SOLE), Annual Meetings, Boston, MA (May 2013)

Southern Regional Science Association, Annual Meeting, Arlington, VA (Mar. 2013) 

Allied Social Science Associations (ASSA), American Economic Association (AEA), San Diego, CA 

(Jan. 2013)

North American Regional Science Council, Urban Economics Association, Ottawa, Canada (Nov. 2012)

Society of Government Economists, Annual Conference, Washington, DC, (Nov. 2012)

LEHD Summer Workshop, New Research and Research Integration, Bethesda, MD (Jul. 2012)

Society of Labor Economists (SOLE), Annual Meetings, Chicago, IL (May 2012)

Allied Social Science Associations (ASSA), American Real Estate and Urban Economics Association

(AREUEA), Chicago, IL (Jan. 2012)
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Allied Social Science Associations (ASSA), Society of Government Economists Annual Meetings, 

Chicago, IL (Jan. 2012)

North American Regional Science Council, Urban Economics Association, Miami, FL (Nov. 2011)

LEHD Summer Workshop, New Research and Research Integration, Ithaca, NY (Jun. 2011)

U.S. Bureau of Labor Statistics, Economic Seminar Series, Washington, DC (May 2011)

U.S. Census Bureau, Center for Economic Studies Seminar Series, Suitland, MD (May 2011)

North American Regional Science Council, Urban Economics Association, Denver, CO (Nov. 2010)

Society of Government Economists, Annual Conference, Washington, DC (Nov. 2010)

Western Economic Association International, Annual Conference, Portland, OR (Jun. 2010)

Southern Regional Science Association, Annual Meeting, Arlington, VA (Mar. 2010) 

North American Regional Science Council, Annual Meetings, San Francisco, CA (Nov. 2009) 

University of California Transportation Center, Student Conference, UC Riverside (Feb. 2009)

North American Regional Science Council, Urban Economics Association, New York, NY (Nov. 2008)

Regional Science Association International, World Congress, U. São Paulo, Brazil (Mar. 2008)

University of California Transportation Center, Student Conference, UC Santa Barbara (Jan. 2008)

PROFESSIONAL ORGANIZATIONS

Conference on Research in Income and Wealth (CRIW)

ACADEMIC SERVICE

Academic referee:

Journal of Urban Economics, The Review of Economics and Statistics, Journal of Housing Economics, 

Journal of Human Resources, Journal of Urban Affairs, Regional Science and Urban Economics, The 

Economic Journal, Urban Affairs Review, Journal of Regional Science, Weather, Climate, and Society

Working paper reviewer:

U.S. Census Bureau, Center for Economic Studies Discussion Papers

FDIC, Center for Financial Research Working Paper Series

Proposal reviewer:

Federal Statistical Research Data Centers, NSF-Census Research Network, National Science Foundation

COMPUTER SKILLS

SAS, Stata, MATLAB, LATEX, ArcGIS