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Theresa Emo has a diverse work experience in the banking industry. Theresa began their career at M&T Bank as a Branch Sales Associate in 1998 and worked there until 2006. Theresa then joined Elmira Savings Bank and held various roles, including Assistant Manager, Branch Manager, and Assistant Treasurer, from 2006 to 2017. In 2017, they transitioned to PNC as an Assistant Vice President Branch Manager. Currently, they are employed at Benchmark Community Bank, where they have held roles such as Relationship Banker, AVP Branch Manager, and VP Branch Manager since 2018.

Theresa Emo obtained their high school education from Avoca Central School, where they studied business from 1976 to 1990. After completing high school, they pursued further education at the Elmira Business Institute from 1996 to 1998. During this period, they obtained an Associate's Degree in Accounting.