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
If a customer who has had prior transactions with a merchant, Mastercard says the customer must first make a good faith attempt to resolve the issue with the merchant before a dispute can be filed. If the customer refuses to make the good faith attempt it limits the banks ability to investigate the claim even though Reg E requires it, which limits the information the bank can obtain to determine if the customer authorized the transaction. How can the bank best handle this type of situation to meet Reg E and yet protect the bank from unnecessary losses?
If a client submits an error for an incorrect amount, do they need to provide proof of what they should have been charged?
If the bank has already closed out a dispute claim because the 90-day time frame was up and provisional credit was made final, the bank cannot take funds back if the merchant provides credit after that time?
We are going to offer E-SIGN agreements. We have a vendor with a turn-key application. Is that good enough to get us going?
If we send e-statements are we required to monitor whether they are being read, and if the customer is not opening them, do we have to revert back to paper?
If we are still delivering disclosures and statements in paper form, do we have to be concerned with E-SIGN or UETA?
When a customer files a dispute of an ATM transaction at another bank's ATM are there regulations that require the bank that owns the ATM to provide photos to the bank completing the investigation?
How far back do you suggest we archive emails and other electronic communication under the Federal Rules of Civil Procedure?
We like having customers sign up for Internet banking when they open their accounts. Is this acceptable for E-SIGN, or is more needed?
In terms of UDAAP, what makes something “Abusive”?