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    • Capital one forex ceo of walmart

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      capital one forex ceo of walmart

      After Dodd-Frank, that number has shrunk to three -- GAIN Capital Dennis de Jong, managing director of retail forex trading firm UFX in. Ant Financial Is Turning Chinese Banking On Its Head Walmart has announced that Capital One will become the exclusive issuer of Walmart's credit. On the EBS trading system, one miss-hit saw the euro quoted at Currency trading platform, the trading arm of Gain Capital. USC FINANCIAL AID APPEAL I don't TappIn which you share out side I would prefer the format as all your. To use to an area, open the browser features, outlook function correctly. The cookie Made "host:port" said, only tables with.

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      Rupert leads the UK Legal and Compliance teams as well as regulatory relations, external affairs and corporate social responsibility. He is also Company Secretary. Rupert joined our Legal team in , looking after market facing activity, litigation and regulatory work. Katy looks after our Customer Experience team.

      This includes brand, design, customer communications and new product development. Katy has a Masters Degree in Business Management from Loughborough University and years of experience in marketing and product roles. Joe leads our technology teams, looking after technology operations, architecture, engineering and our technology change portfolio. An innovative technology leader with strong commercial awareness, Joe is passionate about creating products and services that make credit simple and provide great service for customers.

      His career started in Technology consulting in , spending 6 years consulting in the Financial Services and Telecommunications sectors. Joe originally joined the Capital One Technology team in , returning in in the role of Chief Technology Officer. Darren studied Operations Management at University of Nottingham and joined our graduate programme in He became the Head of Customer Operations in January Darren is an active voice in operational leadership circles, and is currently chairing a UK network of cross-industry COOs.

      As a long-standing business leader, he has been instrumental in the development of our strategy and products. James joined the business in , having started his career as a strategy consultant. Before becoming CFO in , he was responsible for customer acquisition including marketing and underwriting. Perry is responsible for our strategies to bring in new customers and create new credit products. Perry has a passion for innovating products and experiences that help customers use credit wisely and meet their changing needs.

      Before joining us in , Perry held various leadership positions in our US business. This included marketing, customer management, and credit risk management. While the brand name may still be used in the future, our resources, people and financials have been dominated by the Walmart brand because it has so much traction. We're seeing the Walmart brand resonate regardless of income, geography or age. The Jet acquisition was critical to jumpstarting the progress we've made the last few years.

      Not only have we picked up traction with pickup and delivery, but our walmart. He leaned into the Walmart brand quickly. We don't anticipate a significant accounting charge due to this decision and a vast majority of associates have previously been assigned to the Walmart brand.

      At Sam's Club in the U. Sam's tested and implemented the pickup and delivery service in pharmacy and instituted concierge private service for seniors and others at risk. I'm really proud of the work of our international markets. In the quarter, Mexico and China led the way with strong sales through omni-channel and Sam's Club. Our 26 international countries are experiencing different effects and timing as it relates to COVID Except for Canada, April falls into Q2 for international markets, and we can tell you it was a challenging month.

      We expect that to continue in several markets throughout our second quarter. The closure of stores and warehouses in some of our markets contributed to volatility in sales for the quarter, and we expect even more in Q2.

      For instance, the Flipkart business was limited by government regulation to selling only essential items for several weeks. And in South Africa, a large number of stores were closed. But broadly speaking, in each market, our teams are stepping up to serve customers and help their communities. I want to close wrap again by thanking our associates.

      We're more grateful to them than I can articulate. The effect this virus is having around the world has made it clear that we all need to do everything that can to help each other and our communities get through this. At Walmart, we're blessed to have a unique set of assets and a strong business that puts us in a good position to support our associates and serve our customers, communities and shareholders.

      I wish you and your families, good health, and I look forward to seeing you in person when the time is right. Thank you for your interest in your -- for your interest in our company. Thanks, Doug. Good morning, everybody. Before reviewing our first quarter results, I want to add my thanks to associates for their amazing efforts serving our customers and our communities.

      I'm so proud of the extraordinary dedication of our people and the agility of this company. Due to the health crisis, the first quarter had a broader set of challenges we've ever faced globally, including varying government regulations, significant sales variability, mix shifts and channel shifts due to changing consumer habits. All of this led to significantly higher than anticipated sales, but lower gross margin rates and higher expenses which I'll discuss shortly.

      Customers are gravitating towards store pickup and delivery driving record demand for these services leading to triple-digit growth in U. The strategic importance of providing multiple options for customers has never been clearer. We continue leaning in aggressively in key areas but also maintaining discipline.

      We've accelerated investments in omni fulfillment solutions, quickly increased ship from store capabilities, hired significant number of personal shoppers, expanded pickup slots, and launched Express Delivery, all within a matter of weeks. As we incur additional cost to support increased sales, associate customer care, increased cleaning, new associate hiring and alike, I'm proud of the team for maintaining cost discipline in other areas. We've delayed certain consulting projects, reduced marketing and travel, prioritized capital and have frozen [most new] corporate hiring.

      The company's financial position remains very strong. We have extensive access to the capital markets into the quarter with quite a bit more cash than normal, ensuring we can do what's needed with the utmost flexibility in the coming months. So with this context in mind, let's discuss Q1 results. Each segment delivered strong sales growth despite operating limitations in some markets.

      Walmart U. Consolidated gross profit margin declined 66 basis points due primarily to the carryover of last year's price investments, the shift in sales mix to lower margin categories, the shift in channel mix toward eCommerce and some general merchandise markdowns.

      Despite the incremental costs, we leveraged expenses by over 60 basis points. While we don't normally provide monthly comp sales, it's important to understand the flow of the quarter. ECommerce sales remained strong throughout the quarter while store traffic was quite variable due to the various stay in place orders and social distancing around the country. February sales were stronger than expected with comp sales of 3. Store sales slowed during the first half of April due to soft Easter seasonal sale and additional social distancing measures.

      In mid-April, sales reaccelerated across the business as government stimulus money reached consumers with general merchandise sales particularly strong. April comp sales increased 9. With the shift in purchasing behavior, eCommerce sales contributed approximately basis points to segment comp.

      Pickup and delivery services continue to run historically high volumes. We've had a solid start to May in the U. Throughout the first quarter we maintained our everyday low price discipline and continue to grow trust with customers, many of which tried new products and services for the first time. Despite strong sales the carryover of last year's price investments and the unfavorable shifting category channel mix pressured the gross margin rate by over basis points. Seasonal markdowns and the temporary closure of our Auto Care Centers and Vision Centers also pressured the margin rate.

      Operating income was up 3. We took appropriate general merchandise markdowns in Q1 and feel good about our position going into Q2. International net sales increased 7. We experienced substantial sales volatility in markets due to changing consumer shopping patterns, reduced store operating hours and closed doors and warehouses.

      Customers focused on pantry stock up and reduced purchases of non-essential categories. International operating income increased As a result of the crisis, toward the end of the quarter, we had pretty extensive store and operational closures in markets like South Africa, India and the Central American countries.

      Recall that all markets other than Canada are on a one month reporting lag so the crisis related impacts will be more expensive in Q2 versus Q1. As March and April progressed we saw economic pressure channel shift and mix shifts in most of our markets, with significant April sales declines in Flipkart, Africa and the UK, although the UK was mainly fuel related. We anticipate some significant operating profit pressure at least through the second quarter.

      In China, we've seen operations gradually stabilize. All stores are open, and customers are beginning to purchase more discretionary categories though not at pre-crisis levels. Sam's experienced multiple weeks of significant and new member signups. Our fuel income was up significantly and resulted in Sam's operating income increasing 9.

      As you saw in our release today, we withdrew our FY '21 financial guidance. The decision to withdraw guidance reflects uncertainty around several key external variables and their potential impact on our business and the global economy, including the duration and intensity of the COVID health crisis, the length and impact of stay at home orders, the scale and duration of economic stimulus, employment trends and consumer confidence.

      The uncertainty stems from some variables that could impact performance in either direction. Our business fundamentals are strong. Our financial position is excellent and I'm confident in our ability to perform well in almost any environment. While the short-term environment will be challenging, we're positioned well for long-term success in an increasingly omni world.

      We're seeing uplift from stimulus spending in the U. So there are tailwinds that will help us gain customer loyalty and market share over this time. As mentioned throughout, we're also seeing significant headwinds and expect them to continue in the coming months. Some will be temporary, but others will persist through Q2 and possibly beyond. In the near-term, we expect some operating income pressure, the extent of which depends on the balance of the tailwinds and headwinds we just discussed.

      We currently expect the greater challenges on a relative basis to be in some of our international markets where we have many of the same challenges as in the U. We also anticipate significant top-line headwinds from currency. Also, earlier Doug mentioned the decision to close the Jet operations. We don't anticipate a significant charge in Q2 as Jet is a component of our Walmart U. The actions we're taking across the company are building associate and customer trust and should position us to capture an incremental market share in the future.

      While we're adapting to the changing environment, our goals remain the same. We're focused on building the world's greatest omni-channel platform. We continue to position the business for the long-term by leveraging unique assets, reducing friction in customers lives and providing a strong value proposition with a commitment to EDLP. Walmart's people make the difference and we will lead through this crisis.

      We changed the format of our Annual Shareholders Meeting on June 3rd to be a virtual-only event. We'll forgo in-person meetings with associates and shareholders including the investment committee events that would have been held in Rogers, Arkansas during that week. I want to echo Doug's comments in saying we wish you and your families good health and we look forward to time when we can meet in person again.

      Question-and-Answer Session. Thank you. We'll now be conducting the question-and-answer session. Our first question today comes from Robbie Ohmes with Bank of America. I think I'll target this towards Doug. Doug, the commentary on all the different phases you've gone through so far, was great.

      Now we're -- the U. And you guys have a lot of regional exposure. Can you give us a little more color on maybe what you're starting to see in the reopening phase? And also just commentary on -- maybe more commentary on what you saw in China, as you went through reopening and maybe even weave into that.

      There was a big inflation spike in grocery in April. Is that something that could be impacting Walmart U. Any kind of thoughts on phase reopening would be great? Robbie, you did a great job of working in three or four questions into one question, I can see how this is going to go. I'll do my best. I think if I answer the U. I think the stimulus money is probably driven in the last few weeks at the end of the quarter, that consistency from geography to geography, but you can see some.

      In terms of what people are buying, I would also say there's consistency there. And John when I get through you may want to comment more on the U. In China, Robbie, because of the way they approach things, I think the bounce back is going to be different and has been fairly strong there relative to what we'll see in the U. I think we may see a bit of a two step in some places where we make progress two steps forward, take a step back and then move forward again.

      Now, obviously, there are a lot of pieces that have to be put in place from testing to exposure notification. And then policies at state level and county level are going to influence this and it'll be volatile and we'll just manage it. Job one for us right now in the U. We have seen some inflation and, John, you may want to comment on that too. Everybody knows about the cost inflation that happened in those protein categories.

      I think there may be some and others as well. We're going to try to keep our prices low. You know how we think about that. We want to deliver customers the best value that we can while managing our bottom line. That's what we'll do as we look forward. John you want to add anything? As Doug said, Robbie, there were some phases that happened from the beginning of March until the end of the quarter.

      And really what we saw after Easter holiday is things did become more stable, mix normalized to a point, given the stimulus money that's in the market and things have been relatively consistent across the box and the channel since that point. So to your question, the phases have been quite fine, but they seem to be more stable over the last few weeks. On the second part of the question, as you said was reopening and we will be managing the business geographically state-to-state, city-to-city.

      And over the next few weeks, we'll be reopening some of the services in the areas we believe it's safe for our associates and customers for us to operate. Those services would be things like our tire and service centers, [indiscernible] care centers, and our optical center. So we're doing those. We are reopening a few of those in limited spots this week to learn how to best give that service back to our customers.

      And then the third part of the question was inflation. We have seen some inflation in categories like milk, eggs and dairy later in the quarter, and that seems to have subsided somewhat. And then protein inflation has picked up over the last few weeks, as plants have been inoperable in certain parts of the country. And as those have gotten back to limited operating capacities, we will continue to moderate that.

      But fortunately, the Walmart merchandising team, merchandising team is a very qualified team and they will be able to do a number of things to help customers in any way possible to maintain values in the stores. And then finally, maintain margins appropriately as we move through the rest of the quarter.

      So I wanted to talk a little bit about eCommerce. Doug, you mentioned the strength that you've seen and I think the number you said is fourfold increase since mid-March. So wondering if you could talk a little bit about what the demographics are of the new customers that you're attracting?

      And then wondering if you could give a little color on what the repeat rate is on these new customers? And then I guess a bigger picture, given the meaningful acceleration in eCom, how does this growth kind of shift -- a shift to eCom change your outlook for the business in terms of priorities and investments?

      Any color there would be great. I'll kick it off. And then Marc and John may add as well. Karen, it's been great to see how the team has responded to the additional volume. And it was a big uptick and it took a bit of time for us to get on our feet.

      I was in an eCommerce fulfillment center in Fort Worth, Texas a few weeks ago, we finished after Christmas with 1, associates in that facility and the day that I was there, we had 4, So the surge just in throughput is amazing. And the stores have been acting as fulfillment centers, as I mentioned in my comments.

      I think the 4x number you're referring to was specifically related to our pickup and delivery business at store level and how many new customers have picked it up. And John I think we've seen indications already that they are repeating. And as our performance got better within the stock, I think our ability to deliver a strong NPS score there is going to be an indication that we should be able to retain them. I don't have any information about their demographics.

      Marc, you want to go first? Sure, sure, Doug. And just to build on what you said there, we have seen an increase in not only new buyers, but also repeat rates across the board, both for pickup delivery from the store and delivery out of the [FC] [ph]. So feeling really good about what we're seeing here. And we're even using the opportunity to build a healthier underlying eCom business as well.

      The only other thing I would add Karen, we have seen higher growth rates, most customers who are 50 years of age or older than what we had seen in previous quarters. Other than that it's been across the board, the repeat rates have been higher. And I think it's a real strength of the organization to be able to enlist so many stores to help fulfill like we did in the quarter. I think only Walmart could turn on 2, stores to fulfilling customer orders as quickly as we did.

      Our next question is from the line of Paul Trussell with Deutsche Bank. Good morning and kudos to the team for such strong execution through this crisis. Brett you managed margins very well in 1Q. Perhaps discuss what really stood out to you and the team given the dynamic situation. Anything along those lines that we should factor in as we do our best to model going forward?

      Thanks Paul, I'll kickoff and John you may want to chime in a little bit on margins. Coming into the quarter and even as we gave guidance in February, we certainly knew of the price investments that we made last year, we were going to have some overlap with those price investments. So that was already been baked into the guidance we gave at the start of the year.

      So that was as we expected. Obviously, there were changes in the mix, particularly on Walmart U. Also changes in shift to eCommerce as you saw eCommerce growth is very healthy. And we also lowered losses in eCommerce. We continue to see better mix within the eCommerce brand, our eCommerce segment. We also had our auto centers and vision centers that were closed down for a part of the quarter. And that was an impact on margins as well. It's something certainly we couldn't have anticipated going into the quarter.

      Paul, one thing we've talked about over time was that gross margins would somewhat go to where the market and customers would allow them to be and that we had to get expenses in the right place to ensure we keep our operating margin where we wanted to be, and that played out in a much more accelerated way in this quarter.

      But we continue to manage expenses really well. But we're being disciplined where we need to be disciplined, and that allows us to continue to lean in where we need to lean in. There will be timing elements to all of this, as we'll have periods of time where expenses increase more quickly than others. We just announced a second round of special bonuses in the U. So that will have an impact in Q2, we're glad that we're able to do that. From a guidance perspective, there were so much that we took into consideration Paul as you would imagine.

      And as I listed out the variables, of what the different elements that we're seeing in the economy right now, so what's going to be the severity and the duration of this disease? All of these things we factored in and decided it was prudent to not give guidance at this time.

      But those are the things that we'll be looking at as we think about how the rest of the year looks and what you should be looking at as well. The only thing I would add to that Paul is late in the quarter post Easter as stimulus money got into the market, there was more of a balance between general merchandise and the rest of the box.

      And then the second thing I would add in addition to Brett mentioning services reopening would be the contributed profit margin rates in eCommerce. We had better mix in eCommerce with home and general merchandise selling faster as people began to stay at home in the middle of the second quarter. I think one of the things we've been saying all along is we need a bigger online business in profitable categories.

      And Marc and the team have obviously been working on that. But you'll remember the fourth quarter, it was one of the points that we emphasized. Now if you look at what's happened in the first quarter, we've seen some traction there. So some of the things we were trying to get done over a period of time have accelerated as a result of what's happened during this period.

      At the end of this, it's about really healthy top-line with a strong mix represented not just consumable items at low margin, delivered through any means they want, through our stores if that's the most efficient route, straight from FCs if that's the most efficient route, and that's the math that we work with underneath. Our next question comes from the line of Simeon Gutman with Morgan Stanley. Please proceed with your question.

      My question is, how does this growth, particularly in eCommerce shape the outlook for your business? You've done a great job balancing investment with growth and still providing some margin upside. Is that still possible and does it make sense to lean in some more here? I think we're being -- our mindset is an aggressive mindset. Meaning that Simeon we want to drive this eCommerce business and the marketplace that goes with it as aggressively as we can.

      And Marc, you can chime in here as well. But we had a growth in terms of capacity and capital to build out our fulfillment centers, have a multi-year plan there. And that will continue. It's been great to see the stores that step up during a period like this to handle surges. That capability is one that serves us well over time. And we -- I think with the membership plan that we have, some of the things we spoke about in New York, we're positioned to play offense as we go through the summer and into the end of the year.

      And even as the virus and other things create volatility, we'll keep moving forward on our strategy. The five priorities that I mentioned earlier, the ones I think will persist through the year. And we'll keep driving the long-term, while we're managing the short-term. Marc, do you want to add anything? But as you said, Doug, also leveraging the 2, stores to do fulfillment to take up some of the excess capacity that we needed and didn't have in the fulfillment centers.

      So, in addition, I would say the continued investment in marketplace, as that's accelerating faster than the overall first party business, we continue to attract new dollars at this time. Hi, Simeon, this is Brett. I would add a little bit too that, we've talked about probably every quarter how this team spends a lot of its time thinking about how we can pull the different levers inside this company. And the ability -- I'm always reminded but the ability of this company to move with agility and with speed is pretty amazing and I think you've seen that in this quarter.

      You mentioned in your prepared comments a carryover of price investments. How should we think about price investments going forward? I know back at the Investor Day that was something that we were talking about with regards to the general merchandise category more.

      Just how should we think about that in the context of what's occurred in ? Hey, Kate, this is John. Our first priority right now is to get the stores back in stock, all across the company, we've had unprecedented demand in a number of categories.

      And at the current time, our focus is to get our inventory levels back to a level that we can serve customers all across the country each and every day. We do have -- we have in our plan still price investments planned later in the year. However, due to the changes and everything we've gone through so far this year, we'll be taking those decisions later in the year.

      And we'll make that decision at the right time. I guess Brett probably for you. You had the million in the first. I know there's a lot of uncertainty here. But just can you help us think about maybe what level of underlying operating expenses being just added to the business that probably persists beyond any one-time bonus payments and those types of things?

      Just how we should be thinking about that? Yes, Peter, appreciate it. So the million in incremental costs in the first quarter, about three quarters of that was related to additional associate pay or benefits, and you would have seen the announcements. So as you would have seen, we've already announced a second round of special bonuses in the U.

      There's going to be some expenses that carry on probably for quite some time, additional sanitation, cleaning in the stores. As John said, we're going to make sure we're in stock and we have the people to get everything out on the floor. So some of those expenses will certainly carry to the second quarter and likely some of that will continue past that. So, if the costs were in that ballpark again in Q2, I think that would probably be a fairly reasonable assumption at this point.

      Our next question is from the line of Bob Drbul with Guggenheim. Just two quick questions really. The first one is, I think you talked that marketplace growth outpaced eCommerce. I was wondering if you could put a dollar number on that? And then the second question is, could you just address a little bit more, how the supply chain is working for you guys and sort of the flow through that you're seeing from vendors into the stores? That would be very helpful. Yes, no, as we said before, marketplace continues to outpace growth of first party business.

      We definitely made some moves through the current marketplace during this period with pressure on the supply chain. And some of the things that we've learned there I think is going to be helpful to keep that business healthy going forward. And on the supply chain, for the most part, the actual supply chain within Walmart has stayed relatively current other than a couple of exceptions in the first quarter.

      Some of our longer lead times general merchandise categories you have out of stocks will take a bit longer to recover, probably into June and July, particularly in general merchandise. Our food businesses is mostly current with the exception of some areas in the protein categories. And those are week-to-week as we monitor what's going on around the country. Bob, this is Doug, I would just add that the collaboration between our suppliers and our team has been really strong, really appreciate the merchants, the replenishment team not only in the U.

      I think the communication has been terrific. I've personally been involved in some of that communication. The CEOs and leaders of our suppliers have kept us up to speed on what they're dealing with as they're not only trying to keep their people safe throughout their supply chain, but think about the suppliers that they have into the supply they bring to us. There's just a lot of steps to this.

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