Don Cardinal

Managing Director, Financial Data Exchange

Don Cardinal is Managing Director of the Financial Data Exchange (FDX), a non-profit, industry led collaboration dedicated to unifying the financial industry around a secure, interoperable standard for the permissioned access of consumer and business financial data. 

As Managing Director, Don leads FDX by engaging with FDX members across the financial services and Fintech ecosystem to develop and implement the FDX API technical standard and to promote FDX’s five principles for permissioned data sharing: Control, Access, Transparency, Traceability & Security. Since its launch in October 2018 with 21 founding members, Don has grown the nonprofit standards body to over 118 member organizations and 12 million U.S. consumers have been migrated to the FDX API.

Prior to this, Don spent more than 20 years with Bank of America, where he served in key leadership roles as the Privacy Officer of their Military Bank, the Digital Banking VP for Military Bank, VP in Digital Banking, and most recently as a Senior VP in Global Information Security, where he orchestrated the bank’s DMARC email security implementation, protecting over 3.5 billion outbound emails per year. From 2016 to 2018, Don also served as co-chair of the Financial Services Information Sharing and Analysis Center’s (FS-ISAC) Aggregation Working Group, which, in October 2018, launched as FDX –operating as an independent, non-profit subsidiary of FS-ISAC. Prior to his banking career Don worked for a small Fintech writing tax preparation software.

Don is a Certified Public Accountant, Certified Information Systems Auditor, Certified Information Security Manager, and holds a Six Sigma green belt. He earned BBAs in Accounting and Finance from Texas A&M University and an MBA from Our Lady of the Lake University. He is a graduate of the FBI Citizens Academy, a member of the FBI’s InfraGard, a member of the American Institute of CPAs, the Texas Society of CPAs and the Information Systems and Control Association. He also holds fourteen U.S. patents.

Don is a frequent speaker on data sharing, open banking, DMARC email security and other security topics, and has served as an adjunct faculty for the University of the Incarnate Word. His volunteer work has included leadership roles in the 500 Inc, Treasurer for pARTners supporting the North East School of the Arts, and Treasurer and President of the Alliance Française de Dallas.

Don resides in far North Dallas with his wife, son, two dogs and two cats.

https://www.linkedin.com/in/doncardinal/

Congressional testimony: (Press, Video)