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I can only speak for one banks systems but it depended on the program used and what was done as to whether it was logged or not. They tell you everything is logged and audited which it is (mostly) but nothing alerted or actioned upon unless the proverbial hit the fan for whatever reason and...

What's in the rule book and what happens in real life are a bit different.... I didn't bank at the bank I worked at for that reason. Other than someone's moral code and adherence to rules there's nothing stopping them from looking at your customer profile.

When I worked for a bank (not ANZ) the staff rate with LMI waiver wasn't quite as good as the 'normal' customer package rate but there were other benefits that helped offset that. Just need to make sure you don't go past the tipping point where you'll be paying more for the waiver in the long...