Mr Richard William Smith was born on 11 June 1854 in Camberwell, London, England and he was baptised on 9 July that same year in St George the Martyr Church, Southwark.
He was the son of Richard Smith (b. 1831), a hair dresser, and Marianne Croxford (1829); his father was a native of Middlesex and his mother was from Henley, Oxfordshire and they had married on 14 November 1853. He had two siblings: Frederick Alfred (b. 1856) and Henry (b. 1858)
On the 1861 census Richard is living at 2 Williams Place, Newington, Surrey. The address was The Rose and Crown public house owned by his father. His father died sometime before 1871 and he, his widowed mother and siblings are living at 5 Emanuel Terrace in Camberwell on the 1871 census; Richard is now listed as a clerk in the tea trade. His mother was remarried in 1875 to Christopher Megson and would go on to have several more children. On the 1881 census Richard is listed as a visitor at 29 Broadway, West Ham, Essex. He doesn't seem to appear on the 1891 census but his mother his living at 69 Somerleyton (?) Road in Lambeth, where Richard appears on the 1901 census where he is unmarried and still described as a Tea merchant. By the time of the 1911 census Richard shows up with his now widowed mother at 53 Stanthorpe Road, Streatham, Surrey--an address he would live at for the rest of his life--and Richard is still working in the Tea trade and remains unmarried.
He boarded the Titanic at Southampton as a first class passenger (ticket number 113056 which cost £26), occupying cabin A-19; it is assumed he was travelling on business. Travelling with him as as as Queenstown was a family friend, Mrs Emily Nichols, who was travelling to join her husband in Ireland.
Smith died in the sinking. His body, if recovered, was never identified.
His estate, worth £1708, 6s, 5d, was administered to a widow named Susan Hepburn, the identity of whom is not clear.