Zappia serves as the Deputy Commissioner of the Financial Institutions Division. In this role, he leads the Financial Institutions team responsible for regulation of state-chartered banks, state-chartered credit unions and non-depository financial institutions licensed in the state (including finance companies, trust companies, mortgage-related businesses and money transmitters). Regulatory activities of the Financial Institutions Division include onsite examinations, licensing, applications processing and statewide analysis.
Since joining the Commerce Department in 2009, Zappia has also served as Chief Examiner of Banking and Regional Program Director. He holds an economics degree from Metropolitan State University and is currently working on a graduate degree in banking, with a certificate of executive leadership, from the University of Wisconsin-Madison.