Todd is the CEO of Farmers & Merchants State Bank of Pierz. Todd also serves on the Board of Directors of Catholic Charities of the Dioceses of St. Cloud and is a member of the finance committee of CentraCare Health. Before becoming a banker, Todd had a 15-year career as a journalist that included stints as a foreign correspondent for The Wall Street Journal and as a business writer for The New York Times. Todd has a law degree from Pepperdine University School of Law, a Master’s degree from the University of California, San Diego and a B.A. in Economics from the University of St. Thomas.