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Stewart Carter has a diverse work experience spanning multiple roles and companies. Stewart started their career in 1989 as an Auditor at Ernst and Young, where they worked until 1993. In 1993, they joined Coventry Building Society as an Internal Auditor, and later progressed to the roles of Chief Internal Auditor, Senior Operational Risk Manager, Head of Financial Crime, and finally, Head of Distribution, Planning, and Quality. Stewart has been with Coventry Building Society since 1993, with their most recent role starting in July 2015.

Stewart Carter obtained a Bachelor's Degree in French and Statistics from Aston University from 1985 to 1989.