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Kelly Lutinski has a diverse work experience spanning over several companies. In 1988, they worked as an Audit Manager/Corporate Officer at Marshall & Ilsley Corporation. From 1997 to 2007, they held multiple roles at Metavante, including Financial Consultant & Profitability Practice Manager and Senior Client Relationship Manager/AVP. At SunGard, from 2007 to 2011, they served as a Performance Management Implementation Manager and Principal Consultant. From 2011 to 2012, they worked as an Enterprise Risk Management Director at Sheshunoff Consulting + Solutions. Kelly then served as Controller at Trust Company of America from 2014 to 2015. Finally, from 2012 to the present, they have been the Director at KML Consulting partnering with SMARTER Risk Management. In this role, they partnered with a colleague to sell and deliver risk management solutions to financial institutions, while also developing and refining risk management programs. Kelly has presented risk management processes and results to executive management and board members, simplifying complex concepts for informed decision making. In 2016, they joined Pinnacol Assurance as the Chief Risk Officer.

Kelly Lutinski completed their education from 1984 to 1988 at Viterbo University, earning a Master of Science (MS) degree in Accounting. In addition to their degree, they are a Certified Public Accountant in both the State of Colorado (obtained in November 2015) and the State of Wisconsin (obtained in April 1992). It is also mentioned that they hold a certification of RIMS - CRMP, although no details about the institution, month, or year of obtained are provided.