Lloyd is a native of Tewksbury, MA. He is a graduate of the University of Massachusetts – Lowell with a Bachelor of Science in Criminal Justice and has a Master of Arts in International Relations from American Military University. He served eight years on active duty in the United States Air Force with the Security Police and as a Special Agent with the Office of Special Investigations. His assignments took him across the world to South Korea, Okinawa and Europe. Lloyd returned to the Air Force and spent an additional twenty-three years as a civil servant. He retired in 2024 with over thirty-five years with the Air Force as an active duty officer, reserve officer and civilian.

After leaving the Air Force, he worked in the film and television industry in Orlando, FL where his acting credits included the sci-fi television series “seaQuest 2032” and the Jodie Foster film “Contact.” It was during this time that Lloyd began to write screenplays. One of his very first, a vampire story called “Dark Millennium” was optioned by the film production company that produced the television series “Swamp Thing” and “Superboy.” Though never produced, it provided him with a great deal of experience in writing and a greater understanding of story structure. He also won the best screenplay award at the 2000 Kissimmee Film Festival for another work. Lloyd also worked as a Cast Member at Walt Disney World in Facility Asset Management and was on the opening team for Rock n’ Roller Coaster.

Switching to novels in 2002, Lloyd's first book was the Ronan Marino mystery entitled “Two Redheads & A Dead Blonde,” which was first published in 2005. There are now six books in the Ronan Marino series with a seventh called “The Lieutenant” coming soon.

His other books include an original novel called “Three Chords & The Truth” which he says is about the paths we choose to take and how it affects the lives of those around us…oh yeah, and time travel back to the eighties.  He also written a series of short stories called “Why Lloyd Had No Game And Other Short Stories.”

Lloyd enjoys working out, mountain biking, martial arts, collecting Japanese toys. He holds a fifth degree black belt in Okinawan Seidokan. He is also an amateur musician playing an occasional solo acoustic gig in the local area and has released a CD of his original songs. He is a fervent fan of the Boston Bruins, Boston Red Sox and New England Patriots.

He currently lives in Southern New Hampshire with his wife Kathy. They have four children between them and one granddaughter.