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Richard Xu has a diverse work experience in the actuarial field. Richard started their career at Aviva Canada in 2005 as a Senior Actuarial Analyst and worked there until 2010. In 2010, they joined Northbridge Financial Corporation as an Actuarial Manager, specializing in pricing. After three years, they moved to the Office of the Superintendent of Financial Institutions Canada in 2013. At OSFI, they first worked as an Actuarial Specialist in the Actuarial Division until 2017 when they were promoted to the role of Director in the same division.

Richard Xu attended the University of Toronto from 2003 to 2006, where they graduated with an Honour Bachelor of Science (HBSc) degree in Actuarial Science with a major in Statistics. Additionally, Richard's education history includes enrollment at the University of Jiang Su, but no specific degree or field of study information is provided.