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Course description

You ask what are the risks of social media? McDonald’s was in the press after an anti-Trump tweet was made on a bona fide McDonald’s Twitter account that was later said to have been compromised. United Airlines overbooked a flight. A selected passenger was forcibly removed from the flight and the company’s stock value fell almost $1 billion after the video went viral.

The FFIEC guidance on Social Media Risks applies to your bank, and if you have a social media presence, or are considering one, you must know what this guidance says and means.  In this webinar, I will walk you through the common application of the FFIEC guidance to your bank, what it means, why it is good advice, and what you need to do.

Search for your bank’s name in the social networks and ask employees if they use social media and ever reference the bank. You might be surprised at the results.  Is the bank responsible for what is said about the bank and about the bank’s employees on social media? It may be, so you have an obligation to monitor.

In this two-hour webinar I will discuss the pros and cons of embracing this technology from the perspective of bank management and risk management.  Use of social media by the bank also poses many compliance risks. I will spend time pointing out the risks of advertising in a social networking environment.

Activity from employees on their own social networking sites may be good for exposure, but not if the comments are less than flattering. Can you restrict what employees say on personal pages? Your ethics policy may restrict or prohibit certain comments, but court cases may support the employees’ rights. I’ll discuss the fine line between the two.

Managing social media risk may be even greater if you opt to include photos on your site of employees and customers. There are legal cases providing guidance for you on this issue and I will discuss them, too.

Proper controls are required to manage the use of social media. I will include a discussion of risk factors, including:

  • Policies and procedures needed to address unique issues, such as the risks of online posts, edits, replies and retention
  • Managing vendors who may host, manage content or otherwise be involved in the process
  • Employee training, and drawing the line between personal and professional social media use
  • Oversight controls and reporting
  • Specific laws and regulations, such as CRA, that come into play with social media activities.

Related topics we will discuss include:

  • Employees’ rights to engage in activity under the National Labor Relations Act
  • How social media factors into discrimination claims
  • How to handle medical information that may come from postings on social media
  • What regulatory compliance issues you face in a social networking environment
  • And more…

This webinar will help compliance, management, marketing, HR, risk managers and others in your institution make more informed decisions about the use of social media by your institution, and by your employees. What is allowed and what is prohibited aren’t always crystal clear. I’ll help you recognize what works, what doesn’t, and give you the information you need to manage this risk.


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 over 42 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

Course curriculum

  • 1


    • Access Webinar

  • 2


    • Slides

    • Materials

    • Social Media Policy Template

    • Questions and Answers