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, firstname.lastname@example.org, or visiting https://www.bankersonline.com
Our brand of debit card allows us to deny a claim due to negligence.
Ever since CIP we started keeping copies of IDs in our files. Is this OK?
Our customer was dumb and knew it so we split the loss on the claim rather than denied it altogether. We deserve points for that!
We had the 6 points of information for an application but lost track of the request and took too long to deny it as we were awaiting additional income information from the applicant. What can we do now?
If a consumer gives their card info, by SOP we consider that an authorized transaction.
Most restaurants offer senior discounts now at about age 55 and so we want our Seniors Checking account product to be available at age 55. Our compliance officer said it violated Reg B, but then left the bank. This isn’t a loan product, so what gives?
Will Loan Production Offices help in fair lending if we decide to close branches?
If a customer asserts an error orally and we request a written authorization, we are not required to provide provisional credit. And we start our investigation on the date they asserted their oral claim, and the customer never provides a written authorization, does the timeframe change in any way? Or does the timeframe remain the same even though we never received their written authorization?
How do we know the card was received back by the consumer?
Are there new interpretations in the Compliance Aid FAQs?