Danielle Zanzalari Title: Assistant Professor of Economics, Seton Hall University Education: Clemson University, Seton Hall University Location: South Orange, New Jersey Expertise: Economics, Investing, Retirement Planning, Saving, Budgeting, Banking, Taxes, Credit Cards Ph.D. Economist and Assistant Professor with over a decade of experience researching banking, financial regulation, and personal financeFormer Financial Economist at the Federal Reserve Bank of Boston and Vice President of Wholesale Lending Risk for CitigroupConsultant on personal finance for individuals and students with Talk Money to Me LLC Experience Danielle Zanzalari is an economic and personal finance expert with over a decade of experience working in banking, financial regulation, and finance. Before becoming an Assistant Professor of Economics at Seton Hall University in New Jersey and an Adjunct Professor at Boston College where she teaches economics, stress testing, and asset pricing courses, she was a Financial Economist at the Federal Reserve Bank of Boston, Vice President of Wholesale Risk at Citigroup, and a consultant for hedge funds and banks.Danielle has worked with the DFAST and CCAR teams and has researched financial regulation for the last 10 years. She has presented her banking research at conferences around the world, including Switzerland and Bolivia, and her work has been published in peer-reviewed journals.Danielle has taught over 1,000 students at multiple universities throughout the years. She has written personal finance lesson plans for the state of Texas and owns her own consulting firm, Talk Money to Me LLC. Danielle's personal finance work has been featured on WalletHub, Finder.com, CreditDonkey, and in op-eds. Education Danielle received her Ph.D. and master's in economics from Clemson University in 2015 and 2011, respectively. She received a bachelor's in business administration with a major in economics in 2010 from Seton Hall University. About The Balance The Balance, a Dotdash Meredith brand, makes money easy to understand. We give people tools they need to not only make smart financial decisions but also prepare for the experiences they will have along the way. Our team of expert writers and editors have extensive qualifications in the topics they cover, and many of them have MBAs, PhDs, CFPs, and other advanced degrees and professional certifications. We require our writers to use primary sources in their articles, which are also approved by our Financial Review Board and fact-checked. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.