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Course description

I was the compliance officer for probably a year before I learned that my compliance program was separately rated by examiners. I learned a lot of lessons that I’ll be sharing. This two-hour program will take you through the basic requirements for building a successful compliance program. There is no turnkey solution that will provide you with overnight success. Sometimes you use what you have as budgets are limited. You lay a foundation and build a program on top of it. It’s a process that takes time and effort, but it pays dividends when your examiners understand what you do and why; that your program addresses your bank’s specific compliance needs; and that you have checks and balances and adequate training resulting in few, if any items to mention in a Report of Examination.

This webinar will take you through:

  1. The elements that you should include in your compliance program with emphasis on the Consumer Compliance Rating criteria used by examiners. Whether you are starting anew or reconstructing and improving on what you have, you must identify and incorporate the required elements.
  2. Ways you can influence management’s buy-in, and why it is so critical. If you want a program that gives lip service, this webinar is not for you. If you want to build a program that works, you must understand that effective compliance programs start from the top and work down. Buy-in is crucial and we will discuss several ways to obtain it.
  3. Policies and procedures are must-haves, but what is required, when and how often should they be reviewed?
  4. Compliance is a group effort. While there needs to be direct accountability and the Compliance Officer is driving this bus, there are many passengers on board. Who should be on your compliance bus and why?
  5. We have other webinars detailing risk assessments, but your program needs an effective overview of the process and we’ll explain why. Risk assessments are the turn signals and headlights that guide your way.
  6. We’ll discuss the basics of auditing and monitoring programs because they provide the test results on the effectiveness of your compliance program. More than that, the results will influence your policies, procedures, training, external examiner reviews and the compliance rating from your regulatory examinations.

Lastly, your board is ultimately responsible for compliance. What do they know and who trains them? You, the Compliance Officer, do! You need to learn to think at the “big picture” level so the board understands what you do and why, and the resources you’ll need to do it well. (Remember buy-in -- it’s needed here, too.)



Andy Zavoina

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 over 39 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, andyz@bankersonline.com, or visiting http://www.bankersonline.com.

Course curriculum

  • 1


    • Access Webinar

  • 2


    • Materials

    • Slides

    • Audit Workbook

    • Sample Audit Template

    • Sample Directors Audit Template

    • Questions and Answers