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Andy Zavoina

Andy Zavoina, CRCM, is an Executive Vice President and Chief Relationship Officer with the Glia Group, Inc., best known for its interest in He joined Glia and BOL in 2003.

Mr. Zavoina has been in finance and banking for over 42 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, 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,, or visiting

Upcoming Training Featuring This Presenter

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On-Demand Training Featuring This Presenter

Recorded on March 21, 2024

Reg E’s Lions and Tigers and Bears, Oh My!

Reg E’s Lions and Tigers and Bears, Oh My!

I heard a banker comment that, “Reg E hasn’t changed, so what’s to learn?” The Reg itself and the commentary haven’t changed, interpretations of who is a financial institution, what is an error and who has to investigate errors have.

Recorded on February 13, 2024

AI vs CI, Coordination or Collision

Recorded on January 24, 2024

Annual LENDING Compliance Recap

Annual LENDING Compliance Recap

Audit and Internal Controls,Compliance,Compliance Management and There is a saying, “you don’t know, what you don’t know.” While true, recognize you will still be responsible for all things compliance that you should know.

Recorded on December 12, 2023

Don’t Forget Website Auditing

Recorded on November 16, 2023

Avoiding Military Lending Problems

Avoiding Military Lending Problems

There are many ways to violate military lending rules and some lenders are actively doing this. One lender recently agreed to pay $225,000 because they were not providing the interest rate adjustments the SCRA requires.


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