Andy Zavoina, CRCM, is an Executive Vice President and Chief Relationship Officer with the Glia Group, Inc., best known for its interest in BankersOnline.com. He joined Glia and BOL in 2003.
Mr. Zavoina has been in finance and banking for 35 years. Over 20 years were with a two-bank holding company which had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. He managed loan workouts, has been a consumer, commercial and real estate lender, managing those departments, as well as being his banks first Webmaster. He was responsible for compliance -management, -auditing, and -training for both banks.
Andy is a frequent webinar presenter for BOL Learning Connect and a key contributor to conferences put on by BOL Conferences, Inc. In addition, Andy teaches live presentations at state association schools and regional compliance organizations across the U.S. and has served on the faculty of national banking schools. He has written articles and lectured on many facets of compliance, the use of the internet and technology as a tool, as well as compliance in cyberspace.
As a BankersOnline Guru, Andy assists banks in every day, and not so every day, compliance questions on BankersOnline, BankCompliance.com and other organizations.
Mr. Zavoina is a recipient of the American Bankers Association’s Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He is a past Chairman of the ABA’s Compliance Executive Committee, the Editorial Advisory Board for the ABA Compliance Magazine and served as a member of the ABA’s Compliance School Board. 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.
You can reach Andy on the Internet by using his e-mail address, email@example.com, or visiting https://www.bankersonline.com
What debts may be covered now?
We have a “spin the wheel” promotion. To spin, a customer must donate $1 that the bank donates to a charity. All the prize amounts on the wheel are more than $1 therefore all customers will get more than they donate. The amount won is then sent to the customer via our e-wallet app. We set a certain number of spins and it is done on a first-come-first-served basis.
When the owner of an HSA passes away and there is a signer left, does the HSA need to be frozen or closed, or does the signer get to continue using it?
Why do we have to investigate all Reg E EFT claims?
Is there a rule or regulation that requires banks to make their online banking customers change their online banking password periodically?
Under the proposal can we use social media to contact a debtor?
Is a checking account for an estate allowed to have an electronic draft debited from the account?
When opening a CDARS account, are the following required:
1. Customer signature on signature card
2. Legal/organizational documents on commercial entity
3. Beneficial Ownership forms
Can you also give me info on where to locate the laws and regulations governing the opening of the CDARS accounts?
Is a bank permitted to advertise for an affiliated investment company on the bank's website, such as by offering a link to access the investment company services? If yes, what type of disclosure do we need to provide to the customer?
Why can't we hold a customer or member liable for having the PIN with the card?