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Howard Luo has extensive experience in the financial field, with a focus on finance analysis and management. Howard most recently worked at Beta Bionics as the Director of Financial Planning and Analysis. Prior to that, they held the role of Director of Finance-Business Partnership at Visby Medical. From 2011 to 2021, they worked at Thermo Fisher Scientific, progressing from the position of Senior Financial Analyst to Senior Manager, Finance. Before that, they were a Financial Analyst at Fidelity Investments and a Reporting & Analysis Manager at State Street. Howard started their career as a Financial Analyst at Dresser-Masoneilan.

Howard Luo's education history begins in 1993 when they enrolled at Shanghai University of Finance and Economics. Howard pursued a Bachelor's degree in International Finance and completed their studies in 1997. Following this, from 1997 to 2000, they continued their education at the same institution and obtained a Master's degree in Economics. In 2001, Howard decided to further enhance their education by pursuing an MBA at the D'Amore-McKim School of Business at Northeastern University, which they completed in 2003.