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Steve Carlton has a diverse work experience in the insurance industry. From 2000 to 2006, they worked as a Senior Regulatory Attorney at the Department of Insurance, State of Georgia. Steve then joined Universal American Corp. in 2006 as the Vice President, Chief Privacy Officer, and General Counsel for the insurance subsidiaries. In 2012, they became the Treasurer of the Board of Directors at AIDS Healthcare Foundation. Currently, they serve as the General Counsel for Nassau Life Insurance Company of Texas, a position they have held since 2016.

Steve Carlton's education history begins in 1989 when they enrolled at Emory University. Steve pursued a Bachelor of Arts degree in Economics and completed their studies in 1993. During their time at Emory, Carlton also attended the Oxford College of Emory University from 1989 to 1991, where they obtained an Associate of Arts degree.

After completing their undergraduate studies, Carlton pursued further education at the University of Georgia School of Law from 1993 to 1996. During this time, they earned a Juris Doctor (JD) degree, although the specific field of study is not provided.