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
I am not sure if this is the proper category, but I am trying to find some information regarding stored value cards and Reg. E. In particular, how does the periodic statement requirement apply in this instance? Our holding company has elected to provide electronic statements if a customer purchased a card through the internet; however, if the customer purchases a card at POS, then how does the periodic statement requirement apply? Can "periodic" mean monthly?
Should a request to stop payment on a check issued through a bill payment system be handled the same as a normal stop payment request or are there other considerations?
The more I read about the annual Financial Privacy Notice themore confused I get! If my bank has a Web site, does my initial and annual privacynotice also have to contain info on (i.e.) "cookies"?
We are considering the creation of a Web page and the offering of electronic banking services to our customers. Do you have any guidelines or a checklist of the items we should be taking into consideration? I am concerned that we are overlooking some basic items as we move into this new type of products.
At a seminar last week, The speaker mentioned notices that would have to be given in conjunction with credit life insurance effective 4101. Can you give me more information on this ortell me where to look? We have heard nothing about it. So I called our credit insurance company and they knew nothing about it either.
What are the laws on charging post maturity rates? Retracting your late fee, if it has been previously disclosed?
I have heard that there is available a money counter that can detect counterfeit bills or some type of ink pen that can be used to determine is the bill is fake. Do you have any information regarding these items?
Our virus software is updated regularly, yet it did not catch the latest virus, the Anna Kournikova one. Are we doing something wrong or are there other precautions we should be taking?
Does a bank have an unconditional right of offset against deposits of customers who have past due loans (at the same bank) whether or not the right is stated in the loan or credit card disclosures?
Should an SAR be filed after a bank robbery if amount taken was under $3000? I used to file reports, but (thankfully) we had not been robbed in several years. The new SAR seems to indicate amount needs to be $5000 or greater.