Annual Requirements


Presented by:
Andy Zavoina

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    Is this really an entire program just about things we should do once a year? No. This is a program that recognizes that we've been so busy fighting alligators that we haven't been able to drain the swamp. And while all of the regulatory reforms have given us new requirements for forms, procedures, audits, training and more, there is still the day-to-day compliance work that has to be done.

We can't forget that many of these periodic and annual tasks are part of the foundation of successful compliance programs. At the same time, some of these tasks can easily slip through the cracks and then you're scrambling to play catch-up. If you miss the deadline on a timed disclosure, you can't go back to when it should have been done and make it right. That is why it is good to review what needs to be done on an annual or another periodic basis. We will take inferred requirements and urban myths and see what are actually regulatory requirements and industry best practices.

In this webinar we will discuss: Annual requirements contained in:
  • Reg E
  • Reg O
  • Reg P
  • Reg X (RESPA)
  • Reg C
  • Reg BB
  • Reg Z
  • Security
  • SAFE Act, and more
We'll also cover why and how you can meet training requirements; policy reviews; pesky issues with signage audits; and avoiding losing superior liens on real estate with one simple notice.

This program will be helpful to the seasoned compliance officer who feels overwhelmed. It will be equally helpful to the new compliance officer and the one who just took over the compliance duties or switched banks.

About the Speaker: Mr. Andy Zavoina, CRCM, is a consultant with the Glia Group, best known for its involvement with

Andy has been in finance and banking for 31 years. Over 20 years were with a holding company with two Central Texas community banks that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. After starting in loan workouts, Mr. Zavoina has been a consumer, commercial and real estate lender and managed those departments as well as being the banks first Webmaster. He was responsible for compliance, management, auditing, and training for both banks.

Andy is a past Chairman of the American Bankers Association's Compliance Executive Committee. He was the 2003 recipient of the American Bankers Association's Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He currently serves on the Editorial Advisory Board for the ABA's Compliance Magazine, Compliance Action magazine, is a member of the ABA's Compliance School Board and is a BankersOnline Guru. 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. He has written numerous articles and lectured on compliance, the use of the Internet and technology as a tool, as well as compliance in cyberspace to local, state and national associations. Internet policies and other compliance related programs are made available on his personal Web site.

You have the right under this license agreement for this CD-ROM to use this presentation on a single-workstation. Use on a network is in violation of the copyright agreements. CD may be used by multiple users at a given institution but may not be placed on a network or in any other multi-user environment.

This program was recorded in its entirety in March 2012. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

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  • Model: cd_annual0312
  • Manufactured by: Glia Group, Inc.

This product was added to our catalog on Thursday 13 January, 2011.

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