Agency worker, with hint about richness, taking a chance (8,4)

I believe the answer is:

tempting fate

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'agency worker with hint' is the definition.
I know nothing about this answer so I can't judge whether it can be defined by this definition.

'richness taking a chance' is the wordplay.
'richness' becomes 'tempting' (I can't explain this - if you can you should give a lot more credence to this answer).
'taking' says to put letters next to each other.
'a chance' becomes 'fate'.
'tempting'+'fate'='TEMPTING FATE'

'about' is the link.

Can you help me to learn more?

I've seen this clue in The Independent.

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