A-Z of Compliance and Exam Management

Presented by:
Andy Zavoina

This webinar is a "back to the basics" approach for those bankers wanting to establish or reinvent their compliance program and better manage a compliance exam. Stepping through the basic elements in a chronological fashion we will examine the first absolutely necessary element of every successful program, buy-in. What is it and how do you get it from your board and senior management?

We'll spend the first hour reviewing what should be in your compliance program, from the allocation of resources, a budget, training and education requirements to risk assessment reviews, audit schedules, performing audits, reporting your findings, to whom, and the essential task of follow-ups.

Once your compliance program is written, it is time for execution. We'll examine the processes you should follow to manage your exam process. This doesn't start the day your examining team walks in the door nor does it start when you get a request letter for your next exam. It started the day you received your exam findings from your last exam. That was the first list of to-do items you received because nobody in an exam food chain, from the compliance officer to the chairman of the board, wants to hear "repeat violation."

The second hour of the webinar will focus on how to respond to the request letter, preparing your staff, managers and employees for the examiners presence, organizing an entrance meeting whether it is formal or informal and establishing the ground rules. Meeting with your examiners routinely while they are on-site can be a good idea and we'll discuss why. Communication, clear communication is one way to avoid many errors for both the compliance officer and the examiner. What you do during the exam is important, but ensuring they know what you did since the last exam in preparation for this is more important. How do you ensure they know about this? Your records of audits, findings and corrective actions plus your training records are integral in demonstrating your efforts.

Lastly we'll discuss the exit meeting and what to do when you have violations, and what to do when you believe the examiner was wrong. You don't have to accept their findings as the final word. There is time to discuss your points and theirs. Generally there is common ground to be found.

Broken into two segments we believe you will be able to maximize the efficiency of time management so you can have different groups attend them, as you see fit. This program is designed for those establishing a new compliance program, or those wanting to tweak theirs and ensure the basic elements are adequately addressed. Whether you are "team building" for credibility and support or starting from scratch this should be helpful.

About the speaker:  

Andy Zavoina
Mr. Andy Zavoina, CRCM, is a consultant with the Glia Group, best known for its involvement with BankersOnline.com.

Andy has been in finance and banking for 23 years. Over 20 years were with a holding company with two Central Texas community banks that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. After starting in loan workouts, Mr. Zavoina has been a consumer, commercial and real estate lender and managed those departments as well as being the banks first Webmaster. He was responsible for compliance- management, -auditing, and -training for both banks.

Andy is a past Chairman of the American Bankers Association's Compliance Executive Committee. He was the 2003 recipient of the American Bankers Association's Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He currently serves on the Editorial Advisory Board for the ABA's Compliance Magazine, Compliance Action magazine, is a member of the ABA's Compliance School Board and is a BankersOnline Guru. He also served on the Texas Bankers Association's Compliance Committee.

He is a graduate of the ABA National Commercial Lending School, National Compliance and National Graduate Compliance School and is a Certified Regulatory Compliance Manager with the Institute of Certified Bankers. He has written numerous articles and lectured on compliance, the use of the Internet and technology as a tool, as well as compliance in cyberspace to local, state and national associations. Internet policies and other compliance related programs are made available on his personal Web site.

• Complete presentation (including slides and audio)
• Written Materials
• Follow-up Q & A

You have the right under this license agreement for this CD-ROM to use this presentation on a single-workstation. Use on a network is in violation of the copyright agreements. CD may be used by multiple users at a given institution but may not be placed on a network or in any other multi-user environment.