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Kate Graham has extensive work experience in the banking industry, specifically at Monzo Bank. Kate started working at Monzo in September 2019 as a Vulnerable Customer Expert and later transitioned to the role of Vulnerable Customer Analyst. Kate then became a Vulnerable Customer Service Manager in February 2021 and is currently working as a Process Manager, focusing on Vulnerability, Accessibility, Inclusion, and Bereavements. Prior to their time at Monzo, Kate worked as a Mental Health Practitioner in the NHS from September 2014 to September 2019.

Kate Graham attended Edge Hill University from 2013 to 2016, where they obtained a Bachelor of Arts (BA) degree. The field of study pursued during their time at the university is unspecified.