While not business-like, the practice was allowed to evolve and continue, the judge said.
In respect of those charges, it was difficult to conclude beyond reasonable doubt Pomana was wilfully acting without authority.
But the cash withdrawals were in a different category.
"They are of such a magnitude that an inference of dishonesty, rather than authority is virtually irresistible," Judge Adeane said.
They were often from the same ATM and outside business hours. The first one, on December 26, 2010, was detected by the accounts clerk in January the following year.
He bypassed Pomana to report it to then trust chairman Nga Raihania, who instructed her to stop.
But she continued regardless and the withdrawals escalated in frequency and amount.
The further withdrawals were uncovered when Pomana, who had been dealt with in-house by the trust during 2011, launched a personal grievance suit during 2013.
Her action prompted new trust manager Richard Brooking to have the books further investigated.