Employee accounts del. or negative balance

I had posted about this in the Policies/Procedures forum, but wanted to post it here because this one is much more active. What are your policies on employee accounts when it comes to del. loans and negative account balances?We have it vaguely written in our personnel policies. I have been tracking trends and we have a few employees that have frequent del. loans or negative balances. To my knowledge, our Delinquent Control Dept oversees these, but it is never escalated to anyone else. This raises the concern for employee fraud for our CU. In our personnel policy, we currently do not have any course of action for employees.Thanks!