About our Principal
Don Cardinal is the SVP of Member Engagement 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 (aka open banking / open finance).
Don leads efforts in FDX by engaging with FDX members across the financial services and Fintech ecosystem globally 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 ~200 member organizations and 94 million 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. Don also served on the Federal Reserve’s Scams and Information Sharing Task Force.
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 Thomson Reuters writing tax preparation software.
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Don is a Certified Public Accountant, Certified Information Systems Auditor, Certified Information Security Manager, and holds a Six Sigma green belt. He holds executive development certificates from the Wharton Graduate School of Business, an MBA from Our Lady of the Lake University and earned BBAs in Accounting and Finance from Texas A&M University.
He is a graduate of the FBI Citizens Academy, Forbes contributor, a member of the FBI’s InfraGard, the American Institute of CPAs, the Information Systems and Control Association and the Association of Certified Fraud Examiners. He holds 18 U.S. patents and was acknowledged on the IETF specification for the BIMI email authentication standards for his contributions to its development.​
Don is a frequent speaker on data sharing, open finance, open banking, DMARC email security, fraud 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.
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Don is a member of:
The American Institute of Certified Public Accountants
The Information Systems And Control Association
The Association of Certified Fraud Examiners
The International Assn. of Financial Crimes Investigators
The FBI’s Infragard