She wiped away tears when he talked about her being away from her daughters, one of whom is in her final year of high school.
Judge Wraight said Cook abused her role as a senior manager overseeing junior staff.
"Your offending was a gross breach of trust ... in circumstances where you were already earning significant income.
"Your offending was calculated and designed to avoid detection."
He said Cook "knew it was wrong" and staff "never asked questions because they trusted you as a leader".
Cook, who worked as a senior manager of transaction processing, was in charge of a team of 162 people who dealt with cheque processing and, more specifically, holding "dishonoured cheques".
A dishonoured cheque is one that cannot be recovered and has a value that is "written off".
According to court documents viewed by news.com.au, Cook "offended by asking staff members, subordinate to her and whom she managed", to process 14 dishonoured cheques for her.
The money went straight into accounts used to benefit her, her family or various third parties. Some of the money went to the Australian Taxation Office, some of it went to her sister, some of it went to a law firm to pay a deposit on an investment property and some of it went to a man who sold her a jetski.
She was caught after a staff member noticed more than A$29,000 missing from an account. Upon investigating, the funds had been transferred into an account belonging to Cook's husband.
Judge Wraight said she "became distraught" and was "crying when confronted" by a senior manager with allegations of theft and deception.
Prosecutors said Cook tried to "cover-up" her behaviour with additional transactions aimed as "disguising and concealing ... her fraudulent activity".
On some occasions she transferred money into and out of various accounts which delayed any investigation as per ANZ practice.
Cook provided false information about why the ANZ accounts were being debited. She told senior staff that a change in the delivery company used by ANZ was responsible for missing bags of cheques. But her plan unravelled when a junior staff member raised a red flag.
Cook immediately confessed and repaid the entire amount she stole. Following an investigation, her employment with ANZ was terminated. She had been with the bank since 1997.
On Thursday, a judge called her "greedy" and lashed her for taking advantage of her plum A$200,000-a-year position. It heard her household brought in an annual income of A$500,000.
"This is greed. It's absolute greed," Judge Wraight said.
"I think the offending itself is up there. It was to meet a lavish lifestyle of a family that was already in the top few per cent of earnings in the country."
The court heard on Friday that Cook was a member of a large family and struggled with the loss of her father and difficulties with her marriage prior to offending.
She "abused alcohol", the court was told, but co-operated fully with investigators and with Victoria Police after she was caught out.
