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Todd Earl's work experience includes serving as the Enid Market President at Stride Bank, N.A. since June 2017. Prior to that, they worked as the Market President at NBC Oklahoma for 20 years from August 1997 to June 2017. Todd also served as Vice President at Security National Bank from August 1985 to August 1997, and as a Management Trainee at Home Savings Bank from August 1984 to August 1985.

Todd Earl attended Oklahoma State University from 1980 to 1984, where they earned a Bachelor of Science degree in Finance. Later, from 1993 to 1995, they attended the Graduate School of Banking of the South at Louisiana State University. Although the degree obtained during this period was not specified, their field of study was Commercial Banking.