Bio:
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, andyz@bankersonline.com, or visiting https://www.bankersonline.com
Questions Answered
05/22/2022
We often have lobby posters advertising products, services, benefits like trips on a discounted price and others things on display so staff can answer questions on these and to promote these items. Do they require the general FDIC advertising statement>
05/22/2022
In a case where a customer uses a CASH APP and states the transaction was unauthorized, we are responsible for Reg E compliance and we can't use 1005.14 because the Bank and Cash app both have agreements with VISA MC? Also, I don't understand how it could be unauthorized when within the app, it has an authorized button?
05/22/2022
We include the Equal Housing Lender logo in all our home loan ads. Are we also required to include the “Equal Opportunity Lender” logo?
05/15/2022
What about asking for a police report when a claim is made, can we do that?
05/15/2022
What is the “one-click away” rule for electronic advertisements?
05/15/2022
How does fair lending impact commercial loans, which is not “consumer protection” controlled?
05/15/2022
I read about HMDA data problems with Freedom Mortgage. What was the real issue?
05/08/2022
Will Loan Production Offices help in fair lending if we decide to close branches?
05/08/2022
Is following the standard Regs, B, Z, DD and fair housing going to ensure advertising compliance?
05/08/2022
Should we handle fair banking like fair lending?
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