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Phoebe Cheng has a significant work experience in the financial industry, starting with their role as an Intern at Cantor Fitzgerald in 1997. Phoebe then worked as a Financial Analyst at Deutsche Bank Securities Inc., where they focused on broker/dealer regulatory and financial reporting. In 2002, they joined Credit Suisse as a Summer Associate, gaining experience in Fixed Income rotation and publishing a Primer on CMBS. Phoebe then worked at Deutsche Bank as an MBS Structurer and Trader from 2003 to 2007. Phoebe'smost recent position was as a Senior Vice President at One William Street Capital, where they demonstrated proficiency in internal valuations, P/L reconciliation, investor relations support, and special projects in streamlining and problem-solving.

Phoebe Cheng completed their education in a chronological manner. Phoebe obtained a Bachelor's degree in International Economics from the Southwestern University of Finance and Economics, although the specific years were not provided. Following that, from 1995 to 1998, they attended the University of Delaware and earned a Master of Science degree in Accounting. Later, they pursued an MBA in Finance from The Wharton School, completing it from 2001 to 2003. Additionally, Phoebe Cheng obtained a certification as a Certified Public Accountant from the AICPA in May 2000, although the exact month and year of obtaining the certification were not given.