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Craig Carter Chief Financial Officer, Army & Air Force Exchange Service
Craig Carter is the Senior Vice President and Chief Financial Officer for the Army & Air Force Exchange Service at its headquarters in Dallas.
The Exchange is a nonappropriated fund instrumentality of the Department of War. Established in 1895, the Exchange is the 51st-largest retailer in the U.S. With annual revenues of $8.6 billion, the Exchange employs 24,000 associates, including military personnel. In the last 10 years, the Exchange benefit has provided $15 billion in value to the military community.
The Exchange operates more than 5,000 facilities, including department, convenience and Military Clothing stores; restaurants; malls, movie theaters; gas stations; and other specialty services on military installations worldwide. The Exchange is a leading employer of Veterans and military spouses.
As CFO, Carter is responsible for maintaining the financial integrity of the Exchange system and providing management control of financial requirements and resources.
Carter was born at Langley Air Force Base in Hampton, Virginia. He attended Southern Methodist University and earned a Master of Business Administration. He also earned a Bachelor of Arts in Political Science from Texas A&M University.
Before joining the Exchange, Carter held positions in the legal, mortgage and retail industry. Carter began his Exchange career as a financial analyst III at Exchange headquarters. He has held range of senior roles, including general accounting operations manager; financial analysis manager; pension analyst; chief/director, financial analysis; and vice president, financial planning & analysis. Carter was named to his current position in June 2026.