Profile

Identity, professional record and current appointments.

Overview

Professional record at a glance

A concise summary of information supported by the cited public sources. Missing information is treated as unknown, not as a negative finding.

Current roles
22 current organizations shown on this profile
Board positions
22 supported by public sources, 0 supplied by the profile owner
Committee roles
2Roles supported by the sources cited on this profile
Qualifications
Not establishedNo qualification is currently confirmed by the cited sources

Professional narrative

About

Mrs. Lloyd is the retired Vice Chair and Southeast Regional Managing Partner for Ernst & Young LLP, where she had a 37-year career serving clients through mergers, IPOs, acquisitions, and divestitures across numerous industries. She serves on the Board of Directors of Aflac Inc. and qualifies as an Audit Committee Financial Expert. She received her NACD cyber-risk oversight certification in 2022.

Sources are shown with the information they support.

Current roles

Appointments & responsibilities

Board appointments

Director

Aflac (NYSE: AFL)

Jan 1, 2017 – Present

Independence: Not stated

Source effective: 2017-01-01 · Observed: 2026-05-03T01:47:43.403056+00:00

confirmedView source

Governance

Board appointments, committee responsibilities and disclosed relationships.

Board and advisory record

Board service

Sources are shown with each role, education record, or credential.

Director

Churchill Downs Inc

2018-01-01 · current

Confirmed by public sourceView source

Director

Aflac

2017-01-01 · current

Confirmed by public sourceView source

Connections

Explore the roles, education and affiliations published in this record.

Aflac

Open Aflac profile →

Director at Aflac

2017-01-01 → End not stated

current · source reported

Observed: 2026-09-21

AflacAflacChurchill Downs IncChurchill Downs IncKarole F. Lloyd

Dashed lines mark past roles. Select a connection to see its dates and sources.

Relationship map

Connected through the public record

Direct relationships from verified facts and published résumé records. Private connections are excluded.

Direct public links only

Only published affiliations are shown here. Private relationships require authorized access.

Experience

Career history, education, credentials and public contributions.

Published record

Featured coverage

Selected publications and public sources used to establish this profile. Inclusion records provenance; it is not an endorsement.

Source 1 · Sec FilingAflac Incorporated director board sourceSupports Board membership, Committee assignments, Director since, Board independence.Open sourceSource 2 · Sec FilingCHDN DEF 14A director slateSupports AI and ML experience, Board role, Committee assignments, Cybersecurity experience, Technology background.Open sourceSource 3 · Company PageChurchill Downs Inc board of directorsSupports Board role, Committee assignments.Open source

Basis

Identifiers, sources, dates and record limitations.

Identifiers

Alpha ID
alpha:person:karole-f-lloyd
Record version
public-0

Sources

Sources and published information

Each item links to the public source used to support it. When sources disagree, the item is clearly marked for review.

AI and ML experience · Source reportedAI and ML experience: not identified in the cited filing1 source
Verification
Source reported
Confidence
72%
Last reviewed
May 11, 2026
  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 11, 2026

AI expertise · Source reportedAI expertise: not identified in the cited filing1 source
Verification
Source reported
Confidence
94%
Last reviewed
May 3, 2026

  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 3, 2026

AI governance relevance · Source reportedAI governance relevance: not identified in the cited filing1 source
Verification
Source reported
Confidence
94%
Last reviewed
May 3, 2026

  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 3, 2026

Board independence · Source reportedIndependent director1 source
Verification
Source reported
Confidence
95%
Last reviewed
May 3, 2026
  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 3, 2026

Board membership · CorroboratedServes on the board of Aflac IncorporatedSupported by 3 public records2 sources
Verification
Corroborated
Confidence
95%
Last reviewed
May 3, 2026
Board membership · CorroboratedServes on the board of Churchill Downs IncSupported by 2 public records2 sources
Verification
Corroborated
Confidence
95%
Last reviewed
May 3, 2026
Board role · CorroboratedBoard role: DirectorSupported by 2 public records2 sources
Verification
Corroborated
Confidence
92%
Last reviewed
May 11, 2026
Committee assignments · Source reportedNo committee assignment disclosed in the cited filing1 source
Verification
Source reported
Confidence
95%
Last reviewed
May 3, 2026
  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 3, 2026

Committee assignments · CorroboratedCommittee assignments: Audit, Nominating/GovernanceSupported by 2 public records2 sources
Verification
Corroborated
Confidence
88%
Last reviewed
May 11, 2026
Cybersecurity experience · Source reportedCybersecurity experience reported in filings1 source
Verification
Source reported
Confidence
72%
Last reviewed
May 11, 2026
  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 11, 2026

Executive company · Source reportedExecutive at Churchill Downs Inc1 source
Verification
Source reported
Confidence
94%
Last reviewed
May 3, 2026

  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 3, 2026

Executive function · Source reportedOther Executive (OTHER_EXECUTIVE)1 source
Verification
Source reported
Confidence
94%
Last reviewed
May 3, 2026

  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 3, 2026

Executive title · Source reportedExecutive title: Named Proxy1 source
Verification
Source reported
Confidence
94%
Last reviewed
May 3, 2026

  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 3, 2026

Technology background · Source reportedTechnology background: not identified in the cited filing1 source
Verification
Source reported
Confidence
72%
Last reviewed
May 11, 2026
  • SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 11, 2026

View all sources8 records
  1. SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 3, 2026

    Supports: Board membership · Committee assignments · Director since · Board independence

  2. SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 11, 2026

    Supports: AI and ML experience · Board role · Committee assignments · Cybersecurity experience · Technology background

  3. https://www.sec.gov/Archives/edgar/data/20212/000119312526104118/d123994ddef14a.htm

    Sec Proxy · Tier not stated · Reviewed May 11, 2026

    Supports: Director at Churchill Downs Inc (NASDAQ: CHDN)

  4. https://www.sec.gov/Archives/edgar/data/4977/000162828026019621/afl-20260319.htm

    Sec Filing · Tier not stated · Reviewed May 3, 2026

    Supports: Director at Aflac (NYSE: AFL)

  5. SEC EDGAR

    Sec Filing · Tier 3 · Reviewed May 3, 2026

    Supports: AI expertise · AI governance relevance · Executive company · Executive function · Executive title

  6. Company board page

    Company Page · Tier 3 · Reviewed May 11, 2026

    Supports: Board role · Committee assignments

  7. https://www.sec.gov/Archives/edgar/data/20212/000119312526104118/d123994ddef14a.htm

    Public Source · Tier not stated · Reviewed Not stated

    Supports: Board membership

  8. https://www.sec.gov/Archives/edgar/data/4977/000162828026019621/afl-20260319.htm

    Public Source · Tier not stated · Reviewed Not stated

    Supports: Board membership