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Richard Carter has a strong background in technology and engineering roles within the financial services industry. Richard currently holds the position of VP of Engineering at Proximie since May 2021. Prior to this, Richard served as the Chief Technology Officer at Bubble® from September 2019 to May 2021. Richard also worked at American Express as an Engineering Director from November 2016 to August 2019, and as a Software Engineer from April 2016 to November 2016. Richard's earlier experience includes a role as an Executive Director at J.P. Morgan from June 2010 to April 2016. Before that, they held positions at Royal Bank of Scotland and Bank of America as well, where they served as a Vice President. Richard's career started at Deutsche Bank as a Developer in Emerging Markets Technology from 1996 to 1999.

Richard Carter attended Gravesend Grammar School, but no degree or field of study information is given. From 1991 to 1995, they studied at Keele University where they earned a Bachelor of Arts (Hons) degree in Law and Computer Science. Following this, in 1995-1996, they attended the Inns of Court School of Law (Lincolns Inn), where they obtained a Barrister at Law degree in the field of Law.