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Course description

For compliance professionals, auditors and others involved in lending and change management, the world seems to be spinning faster. There are not only recent rules, but changes pending, tons of reading and months of preparation involved. Bute operations issues haven't gone away. You have to keep up with overdraft requirements, what is and isn't insured, remittance rules, Reg CC availability and more. With all that is changing in compliance for financial institutions, it's easy to focus on what will be, but we can't put aside what is.

This is why John and Andy want you to take a deep breath and spend two hours with them on basic compliance issues that involve your frontline staff. Bring your frontline personnel into the webinar during the live presentation, or invite them in as re-play all or part of the webinar as often as you like for 30 days. There is plenty of time to share this information with frontline staff. This session will be a confidence booster, answer questions, and help ensure you are on the right path for your next exam. You can alse use it to help meet training requirements.

Some of the key issues we'll discuss include:

  • Regulation CC -- holds and disclosure timing
  • Regulation D -- confusion over DDAs, NOWs and savings account transaction limits
  • FDIC disclosure requirements
  • Regulation DD -- required disclosures and customer rate inquiries
  • BSA overview
  • CTRs and SARs -- what frontline personnel should know and say
  • HMDA records -- what has to be available and where
  • CRA records -- the "public file" and where it must be available (although no one ever asks for it)
  • FCRA challenges
  • MLA and SCRA challenges
  • Prompt attention to loan applications
  • Complaints -- who handles them and when
  • Regulatory hot topics to watch for
  • and lots more!

Who Shoould Attend:


This webinar is directed at frontline staff, tellers, new accounts, loan interviewers, call center personnel, those who take claims and complaints from customers and those who audit and manage change in these areas

Instructor(s)

Andy Zavonia and John Burnett

John Burnett is a 1979 alumnus of the ABA National Compliance School, and served on its faculty for several years. He graduated with honors with the Class of 1990 from ABA's Stonier Graduate School of Banking, and is also a graduate of the BAIs and the Massachusetts Banker Associations Schools of Banking. 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. John joined Glia Group, Inc. and the BankersOnline.com team in June, 2004. He is a frequent presenter of BOL Learning Connect webinars, and at BOL Conferences events. He was a member of the Massachusetts Bankers Association Legal and Regulatory Compliance Committee, and a former member of the American Bankers Association Compliance Executive Committee and NCS/NGCS Advisory Board. He served on ABA's Truth in Savings Task Force as Regulation DD was being written, and has served on several ABA and Massachusetts Bankers seminar panels. Mr. Andy Zavoina, CRCM, is an Executive Vice President with the Glia Group, Inc., best known for its involvement with 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 that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. He has done loan workouts, has been a consumer, commercial and real estate lender and managed those departments, as well as being his banks first Webmaster. He was responsible for compliance -management, -auditing, and -training for both banks. 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 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 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 across the U.S. and teaches basic compliance and compliance management. You can reach Andy on the Internet by using his e-mail address, [email protected], or visiting http://www.bankersonline.com.

Course curriculum

  • 1

    Video

    • Frontline Compliance Concerns
  • 2

    Materials

    • Materials

    • Slides

    • Questions and Answers