Common Compliance Violations and Hot Topics

Presented by:
Andy Zavoina



This CD ROM will be available after March 7, 2023

Say you are auditing a mortgage loan file and you find a fee mis-classified. You make a note of it. When you look at the next file, you pay particular attention to the same fees to see if there is a pattern. Examiners do the same thing as they go bank to bank. So when your examiners and auditors come in for your next review, guess what they'll focus on first!

Well, you don't have to guess because we know many of the hot violations that are being found by examiners and auditors and what bankers are having problems with. You have a unique opportunity to learn from other's mistakes as we take one hour to review common problems in:

• FCRA
• Collections
• Fair lending - Redlining
• UDAAP/UDAP
• Military Lending
• Reg B
• Mortgage servicing
• Flood
• Reg E
• Reg DD, and
• How you can react to findings in your bank and mitigate risk.

WHO SHOULD ATTEND: This program is targeted to those who are tasked with finding problems but it is equally useful to those who DO the work so that there are no problems to be found.

About the Speaker: Mr. 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 everyday, and not so everyday, 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 http://www.bankersonline.com.

This program was recorded in its entirety in February 2023. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.