The Women of Title: Toni Carroll's 40-Year Journey
In today’s fast-paced world of title insurance, where change is constant and relationships are everything, women are making tremendous strides and leaving their mark. Among these trailblazers is Toni Carroll, Vice President of Fiduciary Banking at Capital Bank, NA, with a remarkable 40-year career in the title insurance industry.
In this feature, Toni shares her experiences, challenges, and the wisdom she has gained over four decades. Her journey reflects resilience, adaptability, and an unwavering commitment to modernizing and mentoring within the industry.
The Early Years: Falling into Title Insurance
Toni's introduction to the world of title insurance was serendipitous. "My best friend’s father owned a title company, and she recommended me for a position because I could type fast," she recalls with a smile. What started as a part-time job during high school soon grew into something much bigger.
After working for several years in that initial role, she attended business school and ventured into the corporate world. Yet, fate had other plans. "I was working at the World Trade Center for Shearson Lehman when I got a call to help open a new office at my friend’s father's title company. It was there that I learned how to read title commitments, type commitments, and write policies. The rest is history."
Overcoming Challenges in a Male-Dominated Industry
Carroll began her career at a time when the title insurance industry was dominated by men. "One of the key challenges I faced when starting was navigating a male-dominated environment. I often had to work twice as hard to earn the respect that was more readily given to my male colleagues," she reflects. But through perseverance, she made her mark, slowly earning the trust and respect of her peers.
Balancing the demands of a fast-paced industry with societal expectations of women at the time was another hurdle. “It wasn’t easy managing work, family, and everything in between. However, over time, I saw more women enter the field, and I’ve been proud to mentor and support the next generation.”
Mentorship and Community
While there wasn’t just one woman who served as a singular mentor, Toni speaks warmly of the many women who have supported her throughout her career. “So many women have influenced my journey. It’s the collective guidance, support, and camaraderie from a community of strong women that has made the biggest impact.”
For Toni, mentorship is critical in an industry like title insurance, which thrives on relationships. She offers powerful advice to younger women entering the field: “Trust your knowledge and capabilities, even if you’re in the minority. Confidence is key—speak up, share your ideas, and don’t shy away from leadership opportunities. Always be proactive in building strong relationships and seeking out mentors.”
The Power of Purpose and Passion
When asked about what has fueled her over the years, Toni emphasizes her deep connection to the work. "I am genuinely passionate about title insurance because we play a critical role in protecting property rights and ensuring smooth real estate transactions. Knowing that our work impacts people’s lives has kept me energized and motivated."
Beyond that, the tight-knit nature of the title community has been a source of strength for her. “Attending conferences feels like a family reunion. Reconnecting with friends, colleagues, and clients who have been part of my journey is what makes this industry special.”
Her recommended books and podcasts
Throughout her career, Toni has turned to books for insight and inspiration. She cites two books in particular that helped her level up in her career. First, Never Split the Difference by Chris Voss, was introduced to her by a former female boss who not only recommended it but took the time to walk through it with her team. It was a real game-changer in her approach to negotiations.
The second book that she recommends is the book Start with Why by Simon Sinek, which has helped her focus on purpose-driven leadership and reinforced the idea that knowing why we do what we do is key to empowering others. Both have significantly shaped her outlook and approach to her business.
A favorite podcast for Toni, who is constantly traveling and on-the-go, is Women at Work by Harvard Business Review. This podcast addresses the challenges women face in the workplace and offers insights and strategies for overcoming barriers and achieving success. Her listening practice helps keep her mindset sharp and focused.
Addressing Workplace Dynamics
A question that often arises in conversations about women in leadership is how to handle competitive dynamics among women in the workplace. Toni’s approach has always been to lift others up rather than engage in competition. “It’s simply not in my nature to be intimidated or to intimidate others. I believe in creating an environment of collaboration and support.”
Leading with Grit and Inner Strength
She gains her inner strength from the incredible support of her women friends and reflects on how this network is always there to uplift and encourage whenever needed. This makes all the difference and helps her push through the tough times.
A Peek Beyond the Career Woman
Beyond her impressive career, Toni has some unexpected passions. Something that might surprise colleagues is that she used to barrel race horses when she was younger. "It was a thrilling experience that taught me a lot about discipline and determination,” she recalls.
Today, her love for live music has become a big part of her life. Attending concerts with her daughters and friends has been a special way for them to bond and create lasting memories. "Music has always been a great way for us to connect.”
In the Ted Lasso way of getting to know people, when asked about her first concert – Genesis, she says “it was such an incredible experience.” Today her favorite band is Toad the Wet Sprocket, as she feels the “music resonates on so many levels, and they are fantastic live."
A Legacy of Innovation and Mentorship
As Toni reflects on her career, she hopes her legacy will be one of innovation and mentorship. She is a strong advocate for modernizing the title industry, particularly when it comes to digital closings. "I want to be remembered for helping drive meaningful change, making processes more efficient and accessible for everyone involved." She also wants to inspire younger generations to see the potential in the title industry. “Our industry is aging, and it’s crucial to attract new talent. By showcasing the impact and importance of what we do, I hope to encourage others to explore this profession.”
Final Thoughts: Empowering Women in Title
Toni’s message to the Women in Title community is clear: "Be strong and continue to support one another. Empowering each other is essential for growth and success. Together, we can break down barriers and inspire future generations to succeed. Let’s lift each other up and celebrate our achievements as we move forward."
Toni’s journey is one of toughness, innovation, and an unwavering commitment to mentorship. Her story serves as a powerful reminder that the challenges we face can become steppingstones to success when met with dedication and purpose. As more women enter the title industry, leaders like Toni continue to pave the way, ensuring a bright and collaborative future for the next generation.
Thank you, Toni, for being an inspiring, classy Woman of Title!
*Connect with Toni here: tcarroll@capitalbankmd.com I LinkedIn I Instagram I Facebook
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