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Vicky Lloyd has worked in various companies and held different roles throughout their career. Starting in 2003, they worked as an Associate at Salans LLP, where they advised on FSA applications and drafted legal documents for clients. In 2012, they joined Locke Lord LLP as a Senior Associate, focusing on regulatory compliance, drafting agreements, and providing legal support for payment card programs. In 2016, Vicky became the Head of Legal, Europe at Optal, where they managed legal matters and provided guidance on regulatory requirements. Vicky also served as a Director at Invapay "The Business 2 Business Payment Specialist" from 2017 to 2021. In 2021, Vicky took on the role of Director at eNett International (Jersey) Limited, OPTAL FINANCIAL LIMITED, and WEX.

Vicky Lloyd completed their education at various institutions. Vicky attended Flixton Girls' High School in Manchester from 1989 to 1994, followed by Urmston Grammar School in Manchester from 1994 to 1996. Vicky then pursued a degree in LLB Special Honours with French from the University of Hull from 1996 to 2000. Additionally, from 1998 to 1999, they obtained a Diploma in French Law from Universite Pierre Mendes France in Grenoble, France. Finally, Vicky Lloyd attended the College of Law in Store Street, London from 2000 to 2001, where they completed a Legal Practice Course.