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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 39 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 April 03, 2019

Complaints – It’s not Yada Yada Yada

Recorded on March 19, 2019

A-Z of Reg E

A-Z of Reg E

In this webinar, we will discuss the basic Reg E requirements and then there will be a focus on claims for unauthorized withdrawals from a customer's account. You must know when a claim is valid and has to be paid, and when it is not.

Recorded on February 21, 2019

Social Media & Compliance

Social Media & Compliance

The FFIEC guidance on Social Media Risks applies to your bank, and if you have a social media presence, or are considering one, you must know what this guidance says and means.

Recorded on January 30, 2019

Military Lending – Banks Keep Getting it Wrong - January 30, 2019

Recorded on November 07, 2018

Escrow Accounts A to Z

Escrow Accounts A to Z

When the escrow rules were changed about seven years ago some banks wanted nothing to do with them and said they would stop offering certain products rather than manage escrow accounts.


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