Zam v. Mizuho Americas Services, LLC

CourtDistrict Court, S.D. New York
DecidedMarch 27, 2025
Docket1:24-cv-02537
StatusUnknown

This text of Zam v. Mizuho Americas Services, LLC (Zam v. Mizuho Americas Services, LLC) is published on Counsel Stack Legal Research, covering District Court, S.D. New York primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Zam v. Mizuho Americas Services, LLC, (S.D.N.Y. 2025).

Opinion

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF NEW YORK GABRIELLE ZAM, Plaintiff, -against- 24-CV-2537 (JGLC) MIZUHO AMERICAS SERVICES LLC, et OPINION AND ORDER al., Defendants.

JESSICA G. L. CLARKE, United States District Judge: Plaintiff Gabrielle Zam (“Plaintiff” or “Zam”) brings this action against Mizuho Americas Services, LLC (“Mizuho” or the “Company”) and Defendants Cheryl Benoit and Steven Gatto (the “Individual Defendants,” and together with Mizuho, “Defendants”) alleging disability discrimination and unlawful retaliation. Plaintiff is a policy strategist with experience in financial services and holds a degree from the University of Pennsylvania Carey Law School. In 2018, Plaintiff was diagnosed with tongue cancer and underwent treatment and operations, including the partial removal of her tongue. As a result of the surgery, Plaintiff faces certain challenges. For example, she has difficultly speaking clearly and projecting her voice. She also experiences dry mouth and is required to frequently rinse her mouth. Plaintiff began working remotely at Mizuho during the pandemic and had a positive start to her time there by getting assigned substantive and meaningful projects and receiving compliments on her work. By the fall of 2022, Mizuho updated its policies to require employees to return to the office absent an approved accommodation. Plaintiff’s oncologist recommended she get an accommodation to prepare herself to work in person, and Plaintiff made her accommodation request in August 2022 shortly after the policy was announced. After making the request, Plaintiff found herself in situations where members of Mizuho’s management appeared to publicly single out her accommodation, such as skeptically reminding her that any accommodation needed to be for her, not a family member. Her new supervisor, who knew about her accommodation and need for it, also criticized Plaintiff in a performance review for conduct related to her disability, including not speaking loudly or clearly enough. The following day,

Plaintiff spoke to her department head, informing him that she felt attacked because of her disability and accommodation by the performance review. No action was taken nor was any investigation conducted. Plaintiff continued to work remotely, but a few months later, Plaintiff requested FMLA leave to take care of her son (who has epilepsy and autism) and husband (who had recently been diagnosed with lymphoma). Plaintiff was terminated only days after that request without notice or explanation. Before the Court is Defendants’ partial motion to dismiss Plaintiff’s Second Amended Complaint. As set forth below, Plaintiff has plausibly stated a claim for disability discrimination because she has alleged sufficient conduct and remarks by Defendant Benoit, the individual who

fired her, that could give rise to an inference of discrimination at the pleading stage. Plaintiff also states a claim for disability discrimination based on a failure to accommodate given that she alleges Defendant Benoit failed to renew her requested accommodation, and alleges that working from home was necessary to enable her to perform essential responsibilities of her position. However, Plaintiff’s FMLA retaliation claim against Defendant Gatto fails because she does not plausibly allege that Gatto had any involvement in, knowledge of, or control over her FMLA leave request. Accordingly, the Court GRANTS Defendants’ motion in part and DENIES it in part, and DENIES Plaintiff’s request for leave to file a third amended complaint. BACKGROUND The following facts are, unless otherwise noted, taken from the Second Amended Complaint and presumed to be true for the purposes of the instant motion. See LaFaro v. N.Y. Cardiothoracic Grp., PLLC, 570 F.3d 471, 475 (2d Cir. 2009).

Plaintiff is a policy strategist with decades of experience in financial services and holds a degree from the University of Pennsylvania Carey Law School. ECF No. 25 (“SAC”) ¶¶ 17– 18. Plaintiff’s career has largely consisted of roles in the financial services industry, including roles in compliance and risk management. Id. ¶¶ 20–22. In 2018, Plaintiff was diagnosed with tongue cancer, and underwent treatment and operations, including the partial removal of her tongue. Id. ¶ 24. The diagnosis presents a myriad of issues for Plaintiff: for instance, Plaintiff struggles to project her voice and speak clearly, and must constantly ensure her mouth does not get too dry. Id. ¶¶ 26–30. Plaintiff also has a child with epilepsy and autism who requires around the clock care. Id. ¶ 31. Plaintiff’s husband was diagnosed with lymphoma in 2023 and required daily treatment for a period of several months. Id. ¶¶ 32, 33.

In May of 2020 during the COVID-19 pandemic, Plaintiff began working remotely at Mizuho as a Director on the Americas Risk Management team. Id. ¶ 34. After a year, Mizuho did internal restructuring and Plaintiff joined the Operational Risk Management Planning Team, which broadened her responsibilities. Id. ¶ 37. Plaintiff received positive feedback on her work. For example, in spring 2021, Plaintiff received a performance review by Enrique Landaeta (Executive Director, Credit Risk Officer, Enterprise Corporate Credit Risk), which included a $40,000 bonus. Id. ¶¶ 39, 40. After Plaintiff drafted a policy document, Tim Healey, (U.S. Chief Risk Officer (“CRO”)) told Plaintiff she had done “great work.” Id. ¶ 44. During Plaintiff’s April 24, 2022 performance review, Plaintiff’s then-manager James Stachnik (Executive Director, Operational Risk) told her that CRO Healey saw she had a unique skill set and that he wanted Plaintiff to step into a “policy guru” role as a subject matter expert at the Company. Id. ¶¶ 44, 46. In July 2022, Plaintiff met with her managers and CRO Healey to review and agree upon the “policy guru” role expansion. Id. ¶ 51.

In the summer of 2022, Mizuho announced it was removing its COVID-19 protocols after Labor Day, but would permit employees to request that the Company make exceptions. Id. ¶¶ 52, 53. The requests for remote work exceptions were mostly COVID-related at that time. Id. ¶ 57. Plaintiff’s oncologist recommended she continue to work remotely to prepare for an adjustment to working in person—namely, preparing for long conversations and not having to contend with background noise. Id. ¶ 54. Thereafter, on August 11, 2022, Plaintiff submitted the essential paperwork to both Mizuho and Unum, the third-party providing disability services, to seek an accommodation. Id. ¶¶ 55–56. Mizuho learned of Plaintiff’s disability through her submissions to Unum, and it eventually approved the accommodation in early October 2022. Id. ¶¶ 56, 57. CRO Healey would have been the person approving work from home

accommodations at that time. Id. ¶ 57. Though Plaintiff was diligent and productive while working from home, id. ¶¶ 65–68, after submitting her accommodation request in August 2022, Plaintiff received choice comments from Mizuho management. Id. ¶ 58. For example, in September 2022 Plaintiff was on a group call led by Defendant Steven Gatto (Head of Operational Risk Management). Defendant Gatto publicly singled out Plaintiff, saying that Stachnik had mentioned she “put[] in for an exception.” Id. ¶ 60. Defendant Gatto appeared to doubt the authenticity of Plaintiff’s accommodation request, telling her on the group call that the accommodation “has to be for [Plaintiff]” and can’t be “to take care of someone else.” Id. ¶ 61. Plaintiff never heard of any other Mizuho employee that had their accommodation request announced and questioned in a similar fashion. Id. ¶ 62. In September 2022, Plaintiff attended a lunch with several individuals, including CRO Healey. CRO Healey remarked “I hope you didn’t come in just for this” and became aware of

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Bluebook (online)
Zam v. Mizuho Americas Services, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/zam-v-mizuho-americas-services-llc-nysd-2025.