"America’s largest retailer has long been a facilitator of fraud on a mass scale, a ProPublica investigation has found."
"Its long record of spotty training and compliance, and its refusal to take responsibility for the fraud perpetrated using its systems, cast doubt on its ability to run a sprawling financial business, experts and current and former Walmart employees said."
https://www.propublica.org/article/walmart-financial-services-became-fraud-magnet-gift-cards-money-laundering