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Cole Y. Smith has a diverse work experience spanning multiple industries. Cole Y. started their career at Arvest Bank in 2003 as a Financial Services Representative, where they opened and maintained consumer and commercial banking accounts. Cole Y. also worked with the Commercial Relationship Managers to ensure proper products and services for commercial customers. In 2008, they joined Security BankCard Center, Inc. as a Commercial Card Officer, a division of Arvest Bank. Cole Y. then returned to Arvest Bank in 2010 as a Merchant Services/Sales Officer, responsible for the growth and retention of the merchant portfolio and educating local banks on referral prospects and merchant processing. In 2016, they joined TruGreen as an Area Sales Executive. Currently, they are working at Talus Payments as a Regional Merchant Services Sales Representative.

Cole Y. Smith began their education in 2000 at the University of Arkansas Fort Smith. It is unclear whether they obtained a degree or pursued a specific field of study during their time there. From 2009 to 2011, Cole Y. Smith attended Christian Brothers University, where they obtained a Graduate Degree of Banking from the Paul W. Barret Jr School of Banking.