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Brad Karney's work experience begins in 2018 as a Financial Analyst at J.P. Morgan, where they worked from November 2018 to June 2019. In 2020, they co-founded Refundid and assumed the role of Co-Founder & CEO in June 2020. Later in 2020, they joined Grant Samuel as an Investment Banking Analyst from December 2020 to March 2021.

Brad Karney attended Moriah College from an unknown start year to 2016. There is no information provided about the degree or field of study during this time. From 2018 to 2020, they enrolled in the Commerce Co-op Scholarship program at UNSW Business School, specializing in Finance & Accounting. In 2019, Brad briefly studied Finance & Economics at the University of Florida - Warrington College of Business. Additionally, in October 2018, they obtained a certification in Microsoft Office Specialist Excel 2018 from Microsoft.