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Fe Rio has several decades of work experience in the banking and finance industry. They started their career in 1981 at J. Walter Thompson Co. as a Cash & Collection Manager and remained there until 1994. They then joined Bankard, Inc. in 1995 as the Operations Group Head, a position they held for 20 years until 2015. In 2015, they moved to East West Bank as a Consultant and Financial Analyst for Consumer loans and worked there until mid-2016. Fe Rio is currently working at Bank of Commerce as the Card Operations head since 2016.

Fe Rio attended the University of the East from 1976 to 1980, where they earned a Bachelor's degree in business administration with a major in accounting. Additionally, they have also studied at Siena College, although the dates and details of their education there are not provided.