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Richard V. has a diverse work experience in the finance industry. Richard started their career at MB Financial Bank in 2015 as a Commercial Credit Analyst. In 2016, they joined Enova International as a Credit Risk Analyst, where they worked until 2017. At Enova International, Richard gained experience in assessing credit risks. Later in 2017, they joined Fitch Ratings as an Associate Director - Structured Finance Credit Analyst - Latin America. In this role, Richard analyzed structured finance in the Latin American market. Currently, Richard holds the position of Director - Structured Finance Credit Analyst - Global Cross Sector at Fitch Ratings, where they utilize their expertise in analyzing structured finance credit across different sectors.

Richard V. completed their education with a Master of Business Administration (MBA) degree from the Gies College of Business at the University of Illinois Urbana-Champaign in 2020. During their time there, they focused on Managerial Economics & Business Analysis as well as Entrepreneurship. Prior to that, Richard earned a Master of Science in Finance (MSF) degree from the Mendoza College of Business at the University of Notre Dame in 2016, with a specialization in Corporate Finance. Richard's undergraduate education includes a Bachelor of Science degree from Loyola University Chicago, although the specific field of study is not provided.