 Chang emigrated in 1967 first to Troy, New York and then to Toronto, Ontario, at both times, to attend university.He earned an engineering degree from the University of Toronto and went on to earn his qualifications as a Chartered Accountant and Chartered Financial Analyst and largely pursued a career in finance.He worked for Coopers & Lybrand for a time, and until 1983, when he and some partners bought into a small Toronto mutual fund management company that managed $5 million in assets.