In reference to the previous discussions and the ZIC meeting, the employee was informed that the Loan Disbursement (LD) was not initiated through his ID. However, upon audit verification, it was found that the LD had indeed been processed using his own alleged ID. When questioned, the employee explained that upon his transfer from Jajpur Road branch to Kuakhia branch, he was not fully aware of the branch operations, and the charges had not yet been formally handed over. He further stated that staff members had used his ID to disburse loans. Additionally, the employee admitted to sharing his ID and password with staff members. After careful consideration, the committee concluded that the employee violated the company’s established processes and policies. However, given that this was the employee’s first incident, the committee decided to issue a formal warning letter as a corrective measures.