Dubravka Ritter joined the Payment Cards Center as an industry specialist in May 2011. Prior to joining the Bank, she spent four years as an economist at the consulting firm Charles River Associates. While there, she performed fair-lending statistical and econometric analysis as part of regulatory compliance and risk management support for financial institutions with mortgage, payment card, auto loan, and other portfolios. She also conducted econometric analysis in support of litigation alleging antitrust violations and patent infringement, including market definition, demand analysis, and damages estimation. Her research interests include the economics of discrimination and equal access to credit, credit and payments markets for underserved consumers, and consumer payment choice. Ritter holds an M.A. in economics from the University of Toronto, and a B.A. in economics, magna cum laude, from Wellesley College.