Title
Citibank, N.A. vs. Gatchalian
Case
G.R. No. 111222
Decision Date
Jan 18, 1995
Citibank employee delivered unsigned credit cards to fraudsters, enabling a P740,000 scam. Supreme Court upheld her dismissal for gross negligence, reversing arbitrator’s reinstatement order.
A

Case Summary (G.R. No. 111222)

Background of the Case

Llonillo, along with colleagues Teresita Supnad and Florence Verendia, was implicated in a fraudulent scheme involving Citibank credit cards. An investigation revealed that 31 applications for credit cards from supposed APBCI employees were found to be fictitious. Verendia and Supnad falsified signatures on these applications and used the credit cards for unauthorized purchases. Llonillo participated by picking up cards issued in the names of fictitious applicants and delivering them to Verendia, albeit with the claim of ignorance regarding the fraud.

Administrative Investigation and Dismissal

Following the discovery of the fraud in July 1992, Citibank conducted an administrative investigation that led to the termination of Llonillo and Supnad for gross negligence and the loss of confidence. Despite Llonillo's denial of any intention to defraud the bank, the investigation found her actions leading to significant financial loss. The dismissal was subsequently referred to a grievance committee, which failed to resolve the issue, leading to voluntary arbitration.

Arbitration Proceedings

During arbitration, the parties submitted a stipulation of facts. While Citibank presented its evidence, the CPEU refused to provide the reasoning behind their request to subpoena a Citibank officer, leading to a lack of evidence from Llonillo's side. The voluntary arbitrator ruled in favor of Llonillo and ordered her reinstatement without back wages. This decision prompted Citibank to file for certiorari, challenging the arbitrator’s ruling.

Ground for Certiorari

In its petition, Citibank argued that the arbitrator's decision contradicted applicable laws and lacked substantial evidence. Citibank asserted that the two grounds for Llonillo's dismissal—loss of confidence and gross negligence—were valid, emphasizing that Llonillo’s actions led to the fraudulent use of the bank's credit cards.

Court Findings

Upon review, the Court found that the voluntary arbitrator erroneously concluded that Llonillo did not exhibit gross negligence. The Court highlighted that negligence leading to dismissal must be both gross and habitual, aspects that Llonillo's repeated actions demonstrated. Her failure to ensure proper delivery of the credit cards, lack of verification of the individuals

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