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Michelle Gatto has worked in the insurance industry since 2013. Michelle began their career as a Business Banker and Business Banking Associate at Hudson Valley Bank in 2013. In 2014, they moved to Ryan Specialty Group as a Technical Assistant. In 2015, they joined RT Specialty as an Account Executive. From 2018 to 2021, they worked at Lockton Companies in roles of Broker and Junior Broker. Currently, they are a Senior Broker - Commercial Lines at reThought Insurance Corporation.

Michelle Gatto obtained their Bachelor of Science (B.S.) in Risk Management and Insurance from St. John's University between 2010 and 2014. In January 2017, they obtained a Property Casualty Broker certification from the New York State Department of Financial Services.