Ray Charles "Chuck" Howard

Education: B.A., Ryerson University; Ph.D., University of British Columbia

Dr. Ray Charles ‘Chuck’ Howard is an Associate Professor at the Darden School of Business. His research on heuristics and biases seeks to advance our understanding of when and why we make suboptimal decisions, and how our decision-making can be improved. For example, his research on financial decision-making answers questions like why do we underpredict our spending and overpredict our income, and how can we make more accurate financial forecasts?

Dr. Howard’s research has been published in leading academic journals including Journal of Consumer Research, Journal of Marketing Research, Journal of Service Research, and Organizational Behavior and Human Decision Processes, and his findings have been featured by The New York Times, CNN, NPR Marketplace, USA Today, Forbes, and The Conversation, among others. Dr. Howard’s research has received awards from the American Marketing Association, the Society for Consumer Psychology, and Harvard University’s Behavioral Insights Group. In addition to serving on the Darden faculty, Dr. Howard is as a research advisor to the Financial Consumer Agency of Canada (FCAC) and the Organization for Economic Cooperation and Development (OECD).

Dr. Howard teaches Marketing Analytics in Darden’s MBA and MSBA programs, and he offers courses on Artificial Intelligence and decision-making through Darden’s Executive Education programs.