Thomas G. Lozier Chief Administrative Officer, Army & Air Force Exchange Service

Tom Lozier is the Executive Vice President and Chief Administrative Officer (CAO) for the Army & Air Force Exchange Service (Exchange), at the organization’s headquarters in Dallas.

The Exchange is a non-appropriated fund entity of the Department of Defense. Established in 1895, the Exchange is the 52nd-largest retail organization in the U.S. With annual revenues of $8.5 billion, the Exchange employs approximately 26,000 associates, including military personnel.

In the last 10 years, the Exchange benefit has provided $3.7 billion in earnings for critical military Quality-of-Life programs such as outfitting more than 600,000 Warfighters at cost annually, providing school meal support for Department of Defense Education Activity facilities overseas and delivering needed services to locations impacted by natural disasters.

The Exchange operates more than 5,500 facilities, including department and convenience stores, restaurants, malls, movie theaters, gas stations and other specialty retail businesses on military installations. The Exchange’s operations span 50 states, four U.S. territories and more than 30 countries. Additionally, the Exchange Credit Program manages a $1.9 billion credit card receivables portfolio.

To support readiness and provide foreign-based service members and their families with U.S. products, the Exchange operates bakeries in Europe and Asia and water bottling plants in Europe under 10 brand licenses from U.S. consumer goods companies, including Wonder Bread, Krispy Kreme and Culligan.

A major employer of Veterans and military spouses, the Exchange has hired more than 2,100 Wounded Warriors since 2010 and more than 60,000 Veterans and military spouses since 2013.

A native of Jackson, Michigan, Lozier has 35 years of retail industry experience. He received his Bachelor of Science in 1974 from the United States Naval Academy at Annapolis, Maryland. He graduated from Harvard Business School in 1982, where he earned a Master of Business Administration.

Prior to joining the Exchange, Lozier was an independent business consultant engaged in several projects, including the launch of Loehmann's Stores’ e-commerce fulfillment center. He was also the Senior Vice President of Operations for Finlay Fine Jewelry Corp. in New York, where he was responsible for store support operations, logistics and merchandise distribution, asset protection, product services, store displays, and other sales support activities.

Lozier was also the owner and President of Warden West Corp., a company providing third-party logistics support to Macy's West, Broadway, Emporium Capwell and Bloomingdale's in the western United States. Prior to Warden West, Lozier worked as a Divisional Vice President for Lazarus, a division of Federated Stores. There, he successfully led the consolidation of the distribution functions and installation of state-of-the-art merchandise processing systems.

Lozier began his Exchange career when he was named Vice President of Logistics in late 2012. He was promoted to Senior Vice President of Supply Chain Transportation in 2014 and to his current role as the CAO in March 2020.

Lozier was an active duty and reserve officer in the U.S. Navy Supply Corps for more than 20 years. At one point during his naval career, he served as Planning Officer for the Navy Exchange Command. He was awarded the Meritorious Service Medal by the Chief of Naval Operations and retired as a Captain.