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Toni Rowe has a diverse work experience. Toni began their career as an Assistant Treasurer at Granite Savings Bank in 1987 and held this position until 2015. In 2012, they took on the role of Owner at How Sweet It Is, where they worked until October 2020. Currently, they serve as an Assistant Vice President of Lending Compliance at Cape Ann Savings Bank, a position they have held since January 2015.

Toni Rowe attended Gloucester High School from 1977 to 1980, although they did not obtain a degree or specialize in any particular field of study during this time. Toni then went on to study at the Essex Agricultural & Technical Institute from 1981 to 1983, where they obtained an Associate's degree in Business. Although no additional certifications or institutions are mentioned for Toni Rowe, it is worth noting that they do have a certification called Mass Bankers Branch Manager Certification, although the institution, month obtained, and year obtained are not specified.