Welcome Andy Zavoina!

The wheels of compliance never stop turning which means, as new regulations are issued and existing regulations evolve, quality training is essential. It’s often a need, not a want. Banker’s Compliance Consulting provides top-notch compliance training in plain English to ensure our clients are well-equipped to meet their regulatory obligations. The demand for our webinars, Virtual Conferences, customized training, etc. has increased greatly and as a result we are thrilled to announce the addition of another rockstar to our Team.


Andy Zavoina is a seasoned compliance expert that has seen it all. He brings a wealth of knowledge and experience and will be an essential piece of meeting our growing demand. Welcome aboard, Andy! We look forward to the invaluable contributions you will bring to our team and our clients.

Here’s a little more about Andy:

Andy Zavoina, CRCM, began his career in finance and banking in 1981 at a finance company. He landed in a proper bank in 1983 and spent 21 years in community banking.  He managed loan workouts, has been a consumer, commercial and real estate lender, managed those departments, and was his bank's first webmaster.  He was responsible for compliance management, auditing, and training. He then worked for BankersOnline for 21 years teaching webinars and conferences.

Andy is a nationally recognized speaker at state associations and schools across the U.S. and has served on the faculty of national banking schools.  He has had articles published and lectured on many facets of compliance, the use of the internet and technology as a compliance tool.

Andy 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 chaired the ABA’s Compliance Executive Committee, its Editorial Advisory Board and served in other positions as well.

Andy 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.

Did you know?

Andy is an avid sports photographer and won 2nd place and an Honorable Mention from the Texas Associated Press Managing Editors for “Star Photojournalist of the Year” in an annual review of sports photography in the press.


Amy Kudlacek

Amy brings many years of banking and compliance experience to Banker’s Compliance Consulting. She has worked for both large and small financial institutions and spent time working in every area of a bank. She started out as a teller in college and eventually became a branch manager. Her love, however, was always compliance. Amy began her career with Banker’s Compliance Consulting in 2000. Her knowledge and experiences have allowed her to develop a well-rounded and practical approach to regulatory compliance. Amy is CRCM certified, has a Bachelors Degree in Business Administration and is a graduate of the ABA Compliance School. Amy & her husband have two children at home and stay busy following their activities. They spend a lot of time in the bleachers!

Recent Posts

Appraisal/Valuation Independence

BSA: Suspicious Activity Monitoring

Supreme Court Ruling, Bank Secrecy Act Beneficial Owners vs. 1071 Principal Owners

Welcome Andy Zavoina!