SOCIAL DISTANCE PRICING — We know it's not always possible to train in a group setting right now, so we're offering additional user logins for $25 each. If you need more than 5, contact us to purchase.

Have you completed this webinar? Please tell us what you think.

Course description

More and more banks are implementing electronic delivery or are considering it for “low risk” documents like appraisal copies or e-statements. Electronic delivery is fast and it can be effective, but only if E-SIGN requirements are observed, where applicable. When the bank has sound E-SIGN procedures it has more control over its documents, more assurance that each party has seen them, and there is less risk to the bank, but only when done right!

Following sound E-SIGN procedures is essential and is not difficult.  Done wrong, the bank could have more problems with uncollectable loans, lost collateral, nullification of deposit agreements, massive compliance violations stemming from undelivered disclosures, and more. The bank can’t just have an opt-in or check items off a list and assume it has met all its obligations.  The bank must understand the implications of what it is doing and not blindly follow a checklist of steps.

E-SIGN procedures and compliance pillars should include presentation, acceptance and enforceability steps. These are three things the bank must be concerned with when writing E-SIGN procedures. These critical elements are necessary for an enforceable agreement and to avoid criticism from examiners.

What is “good enough” for the bank at the time electronic delivery is implemented may not be good enough for a court when the bank enforces an agreement or when examiners question the demonstrable consent process.

In this webinar we will look at--

*How mistakes with E-SIGN compliance could jeopardize the validity of your contract with your customer;

*The E-SIGN “hoops” that you must jump through, and for which customers;

*Five categories of risk relating to your E-SIGN process that you may not have considered;

*The differences between E-SIGN and the Uniform Electronic Transactions Act (UETA) and why this is important;

*Selected published court opinions on E-SIGN we can learn from;

*Common mistakes in E-SIGN compliance;

*Some best practices;

*And more!


This information will be useful for everyone involved in e-banking, including compliance officers, risk managers, operations managers, business development, management, lenders, and loan operations personnel.

What aspects of the webinar bankers said were the most helpful:

-Valuable information with downloadable resources

-The section about the E-Commerce Program was very beneficial.

-The detail of the presentation and the specifics as to what we want to make sure we are thinking about before, during and after the impletmentation.


Andy Zavoina

Mr. Andy Zavoina, CRCM, is an Executive Vice President with the Glia Group, Inc., best known for its involvement with He joined Glia and BOL in 2003. Mr. Zavoina has been in finance and banking for 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,, or visiting

Course curriculum

  • 1


    • E-SIGN - Use It Write or Not at All

  • 2


    • Slides

    • Materials

    • Electronic Delivery of Documents Agreement

    • E-sign Consent Example

    • Attendance Sheet

    • Questions and Answers