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Todd Cover's work experience begins in 2000 when they started working at the West Virginia Division of Banking as a Financial Institution Examiner. After three years, in 2003, Todd moved on to Main Street Bank where they served as a Commercial Loan Specialist for eight years. In 2012, they joined The Citizens Savings Bank as an Assistant Vice President, Small Business Banker. Todd then transitioned to Progressive Bank in 2014, taking on the role of AVP, Business Development Officer. Most recently, in 2016, Todd became the President of Belmont Savings Bank.

Todd Cover completed their education with a Diploma in Business Administration and Management from Brooke High School in the years 1990 to 1994. Following that, they pursued a Bachelor's degree in Marketing and Management at West Liberty University from 1996 to 1998. Additionally, they attended Davis & Elkins College from 1994 to 1996, specializing in Business Administration and Management.