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
Would the following be considered a lottery or would it be ok? As a promotion of our Pop Money, we set up a wheel with variable dollar amounts that customers spin. To spin the wheel the customer must donate $1 that we donate to a charity. All the 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 Pop Money. We set a certain number of spins and it is done on a first come first serve basis.
What do 'giveaways' fall under? sweepstakes or contents?
Is it ok to get a paper E-SIGN agreement at account opening?
Can a financial institution obtain consent for e-delivery of loan documents on bank hardware/software? In other words, electronic delivery of documents on a bank computer rather than the consumer's own computer?
Is it permissible to have an all inclusive statement in the E-SIGN consent disclosure for all electronic document types?
We need specific information on when we MUST post "MEMBER FDIC" on actual videos, ads etc. that we post direct to social media "if" this is already on our Facebook/Linked In pages in the "About" section. Please expand on this topic in detail.
Can you have an image (such as a Facebook Cover Photo) that says Checking on it. Do you need to have FDIC logo on the image? Or does a link to the website with disclosure work?
What is a MAPR?
Do you recommend including a complaint entry item to identify servicemembers?
When we define what qualifies as a complaint, should we use examples, and what if people are getting it wrong and sending what isn't a "complaint?"