Insights, PS Ep.1, CFPB and e-Signage


Presented by: Andy Zavoina and John Burnett

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Insights PS is a new program where you'll hear new information on compliance and related hot topics. Inspired by free thought-discussions in compliance training and planning meetings, we want to provide you with less scripted presentations that are based on topics of interest right now. These are inspired by the headlines and bankers questions. And the PS means we often have a little more to say and that we plan to deliver guidance on Problems and Solutions you can use.

In this first episode join John Burnett and Andy Zavoina as they explore electronic signage requirements. You know those posters you've come to see and ignore in HR, the breakroom and by the timeclock? Yes, those federally required posters are there to provide necessary information and with so many workers still in a home office, and some perhaps expected to remain there longer, there are methods for e-delivery that were approved at the end of 2020. But many banks missed this update but now you and your Human Resources area can fix that. When you have the little things done, we're confident that the big things are compliant too.

We will also discuss the CFPB and the upcoming direction for compliance management. The CFPB and other agencies are giving us a glimpse into the future as to loan servicing expectations and potential areas of enforcement as well as new rules for QMs, commercial loan data, collections and more.

Forewarned is forearmed. Anyone turning a deaf ear to the early warnings we are hearing about now may find themselves looking for a defensible position just months from now. Don't act now and ask for forgiveness in the future. We see Civil Money Penalties rising and the first banks to be found violating expectations, yes, expectations of compliance, will be the examples so that others learn about regulation by enforcement. Decide which example your bank should be.

WHO SHOULD ATTEND: This webinar has topics for Compliance, Security, and Human Resources as well as lenders and loan servicers.

About the Speakers:

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 36 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

John Burnett joined Glia Group, Inc., and BankersOnline in 2004, and currently serves as Executive Editor. He is a 1990 honors graduate of the Stonier Graduate School of Banking and is an alumnus of the ABA National Compliance School, where he served on the faculty for several years.

John began his banking career in high school when he started as a teller at a $15 million bank that didn't have account numbers for its checking accounts (he says they actually filed by signature!) He joined Cape Cod Bank and Trust Company in 1971 and assumed the position of Compliance Officer in 1976. He also served as corporate secretary and secretary of CCBT's Board of Directors, as well as Clerk of the bank's holding company.

He was a member and Chair of the Massachusetts Bankers Association Legal and Regulatory Compliance Committee, and a member of the American Bankers Association Compliance Executive Committee and NCS/NGCS Advisory Board. He is a regular presenter of BOL Learning Connect webinars and a presenter at BOL Conferences events. As a BOL Guru, John assists bankers handle common and uncommon compliance challenges on the site and its paid subscription service,

This program was recorded in its entirety in July 2021. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

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  • Model: cd_insights0621
  • Manufactured by: Glia Group, Inc.

This product was added to our catalog on Monday 17 May, 2021.

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