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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 BankersOnline.com. 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, 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, andyz@bankersonline.com, or visiting https://www.bankersonline.com

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Recorded on November 15, 2022
 

Attention - Military Lending Problems

Attention - Military Lending Problems

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

Recorded on October 19, 2022
 

Escrows Rules

Escrows Rules

Many banks do escrow statements at the year end. If your bank is does this, your busy season is fast approaching. Regardless of when your escrow statements are done, they must be correct. There is no delay for RESPA deadlines.

Recorded on September 14, 2022
 

Compliance Management & Elbow Grease

Compliance Management & Elbow Grease

Does your bank have a new compliance officer? Does it have or need an enhanced compliance program? If you are starting or restarting a compliance program it takes a lot of elbow grease and you should begin with the fundamentals.

Recorded on August 16, 2022
 

Slicing and Dicing Reg E Claims

Slicing and Dicing Reg E Claims

wants their money “back” from the bank? The bank didn’t take their money and can’t give it “back.” The bank executed the transfer as the customer requested. Yet the bank is expected to replace that money under many circumstances.

Recorded on July 21, 2022
 

P2P Error Resolution under Reg E

P2P Error Resolution under Reg E

Who banks on smart phones? Your bank’s customers. Who uses P2P payments with vendor apps like Zelle and CashApp? Your bank’s customers. Who is paying more and more and more claims from these transactions? Your bank.

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