Your team, multiplied.

Zovos AI is the agentic governance, risk, and compliance operating system built for fast-paced GRC teams looking to truly adopt AI-native workflows. Our agents help you manage policy and standard updates, run AI native control testing, track regulatory change, draft exam-ready responses cited to the rule paragraph, and so much more.

All of it stays under your review and approval.

Join the waitlist →See the platform

Swipe through the platform

DashboardDemo
82%
44 of 57 frameworks in scope · 18 fully mapped
Open gaps
17
Approvals
5
  • Closure · F-2026-0042
    Authentication MFA gap
    ⚠ Review
  • Mapping · §11.2(b)
    Vendor authentication
    ✓ Compliant

Approvals. Start the day with the decisions that need your sign-off.

Frameworks gapDemo
Open gaps
17
High severity
3
  • FFIEC-2026-17
    IT Examination · Authentication
    ⚠ Review
  • BSA-1042-A
    Customer Identification Program
    ✓ Compliant
  • CRA-2025-09
    Community Reinvestment · Lending
    ✕ Breach

Regulatory change. An agent maps each new requirement to your policies and flags the gaps.

Controls & testingDemo
AU-06
Audit review & reporting
S. Park · Monthly
  • Attestation · AC-02
    Owner signed · Q3 cadence met
    ✓ Compliant
  • Evidence · SC-13
    PAM rotation export · stale 30d
    ⚠ Review

Control testing. Tests run against real evidence, and every exception is written down.

FindingsDemo
Open
4
Overdue
1
  • F-2026-0042
    MFA gap in privileged access
    ⚠ Open
  • F-2026-0039
    Escrow disclosure timing
    ✕ Overdue
  • F-2026-0035
    Log review exceptions
    ✓ Ready to close

Findings. Every issue has a citation, an owner and a deadline. None closes without evidence.

AI agentsDemo
  • 14:01:54Citation indexerIndexed 17 citations in §3.2.1: §5.1, §5.4, §11.2
  • 13:58:03Gap analysisGap detected: §11.2 references retired access vendor
  • 13:54:11Regulatory monitorNew publication: BSA-1042-A revision (effective Jul 1)
Confidence 0.57 on UDAAP-2026-03 · routed for review
⚠ Waiting for review

AI agents. Agents do the legwork. Nothing moves without a person approving it.

Exam prepDemo
Requests
38
Mapped to evidence
31
  • REQ-09
    CRA lending analysis
    ⚠ In progress
  • REQ-04
    BSA/AML risk assessment
    ✓ Mapped
  • REQ-12
    Overdraft program disclosures
    ✕ Gap

Exam prep. Examiner requests arrive mapped to the evidence you already have.

Consumer complianceDemo
  • Board & management oversight88
  • Compliance program74
  • Consumer complaint response62
  • Compliance audit91
CMP-2026-298 · RESPA
Escrow disclosure · mortgage
✕ Breach

Consumer compliance. The compliance management system scored pillar by pillar, with complaints routed to an owner.

AML/CFT programDemo
  • Internal controls
    14 controls
    ✓ Effective
  • Independent testing
    IA-2026-BSA
    ⚠ Testing
CDD / beneficial ownership
23 reviews due
✕ Attention

AML/CFT program. All five pillars in one view. A CDD sweep opens the review work for you.

Third-party riskDemo
Vendors
142
SOC 2 expiring
4
CloudAuth Inc
Criticality
High
Residual
High
Next review
Oct 2026
⚠ SOC 2 review

Third-party risk. Every vendor in one place, with SOC 2 dates and due diligence tracked.

Board reportDemo
  • §1 Risk posture
    Risk register · KRIs
    ✓ Compliant
  • §3 Exam status
    Exam prep · Findings
    ⚠ Review
  • §5 Consumer compliance
    CMS scorecard · Complaints
    ✕ Breach
Board pack · Q3 · Chair sign-off
⚠ Review

Board reporting. The board pack is built from your records, with every section traced to its source.

The full click-through demo runs on a tablet or desktop.

Every screen of Northwind Community Bank, our fictional demo bank.

Join the waitlist →See the platform
1 of 11

Watch an agent work

An illustrative assistant session in Zovos, in three chapters. A FinCEN rule change is mapped to three gaps cited to the rule paragraph, each waiting for review. The assistant runs a privileged access control test and files the result for a different reviewer to accept. An exam request list is matched to evidence, showing 82 percent readiness and seven tasks drafted for their owners. The session ends on links to join the waitlist and to get the Regulatory Radar.

Your assistant · Zovos over MCP
app.zovos.ai/dashboard

The sidebar arranges itself by job family. Permissions still decide what each person can see.

Zovos AI/My work/Dashboard
Q3 2026 · Week 32
Compliance overview
82%
Framework coverage
44 of 57 frameworks in scope · 18 fully mapped
Open gaps
17
▼ 6 wk
Avg response
3.8m
▼ 1.2m
Approvals
5
pending
Approvals · queue
Awaiting you
4 items
Closure · F-2026-0042
Authentication MFA gap
Mapping · §11.2(b)
Vendor authentication
Exception · STD-014
Legacy TLS · 60d
Attestation · RCSA Q3
Lending business unit
Coverage · live
Framework health
Auto-mapped
FFIEC
92%
BSA / AML
100%
CRA
64%
UDAAP
78%
SOC 2
88%
NIST CSF 2.0
71%
Why Zovos

AI that you can put in the record.

Most governance, risk, and compliance teams already use AI. They use it in a chat window beside the real work, where a control matrix or a policy has to be pasted in and the answer has to be carried back out. That makes it painful, expensive and hard to trust.

01

Painful

In a chat window

Every conversation starts by uploading the control matrix and the policies again, and every answer has to be copied back into the record by hand.

In Zovos

The agent works inside the record. Your controls, policies and vendors import once as real records, and each proposal is saved on the record it is about.

02

Expensive

In a chat window

Large uploads fill large context windows, and every token is metered again on each follow-up question, before anyone has checked the answer.

In Zovos

The agent reads only what the task needs. It retrieves the numbered paragraphs that match and drops weak matches instead of rereading the whole file.

03

Inaccurate

In a chat window

Long uploads lose the middle, and nothing in the answer shows which rows or pages were never read.

In Zovos

Every answer cites the versioned rule paragraph. Each run logs every input it was shown, and nothing changes until a person approves it.

1 of 3
61,240
tokens to encode one 576-row spreadsheet, before a single question is asked.1
11 of 13
long-context models fell below half of their short-input accuracy at 32,000 tokens.3
17% to 33%
of answers from purpose-built legal research tools with retrieval were hallucinated.12
$20
per million output tokens at list price for a current top-tier model, plus $4 per million tokens of input it reads.7
Read why Zovos
MCP Apps

Bring the assistant you already use.

Claude, ChatGPT, Copilot or any other MCP client works inside Zovos under your own Zovos role. In a client that renders MCP Apps, Zovos screens open in the conversation: ask what is on your plate, decide an approval yourself in your inbox, or bring in a register with the import wizard. The assistant never approves or signs anything, and every write checks first and saves only when you confirm.

A demo opens on the assistant's greeting and three suggested prompts. Each plays a conversation where Zovos screens open in the chat, with buttons to pause it and to go back a step. It waits for you to send each later prompt and to press each confirm yourself, and it ends with links to join the waitlist, get the Regulatory Radar, try another prompt or replay.

Assistant · Zovos connected over MCP

  1. Assistant

    Hello. Zovos is connected under your own Zovos role. I can show what needs your decision, set up Zovos and bring in your registers, or prepare an answer for an examiner from your own evidence. You make every decision, and nothing is saved until you confirm it.

Illustrative sessions with a fictional institution, Northwind Community Bank, and demo values. The screens, labels and outcome lines follow the Zovos apps as built.

See every toolConnect your assistantJoin the waitlist
ROI estimate

Retire the contracts. Keep the hours.

Consolidating onto one platform retires the separate tools you pay for today and gives your analysts back the hours routine evidence, vendor and mapping work takes. Move two sliders for a rough estimate.

$190k/yr
Annual cost of the GRC, third-party risk, issue-tracking and other tools you'd retire.
7 analysts
Governance, risk, or compliance analysts on your team.
Estimated annual savings
+$661k
Contracts retired
$190k/yr
Analyst hours recovered
8,050 hrs · $426k

This is an estimate, not a quote. It uses the Tier 2 ($3B – $8B in assets) defaults of 25 hours reclaimed per analyst per week over 46 weeks at a $110k loaded salary, plus 2 hires avoided, less the $175k license midpoint.

Open the full calculator
What's new · October 2026

Recently shipped.

These are the latest changes to the platform, straight from our release notes.

All release notes
Built for examiners

Posture you can put in the exam binder.

Tenancy
Each tenant gets its own database schema and its own encryption key (CMK) issued by Zovos.
Identity
SAML 2.0, OIDC and SCIM come with every tier at no enterprise upcharge.
Audit trail
The audit trail is append-only at the database. Every agent action is logged and human-gated.
audit_log · append-onlyDemo
  1. 13:54:11Regulatory monitorNew publication: BSA-1042-A revision (effective Jul 1)
  2. 13:58:03Gap analysisGap detected: §11.2 references retired access vendor
  3. 14:01:54Citation indexerIndexed 17 citations in §3.2.1: §5.1, §5.4, §11.2
  4. 14:02:19Policy mappingMapping FFIEC-2026-17 against Authentication Policy v4.2
AI provider
Bank-grade AI services with zero data retention via AWS Bedrock.
Read the security overview
Questions

Straight answers.

Is the preview above the live product?

The demo is pretty close as it is modeled from the real product screens. The navigation, vocabulary and screens mirror the real product. The data does not belong to anyone, it is a read-only replica of the app with a fictional institution and illustrative numbers.

Which frameworks are covered?

Zovos covers 57 frameworks today. They include FFIEC, BSA/AML, the consumer regulations (Reg B, E, Z, CC, DD, HMDA, RESPA, UDAAP, CRA), NYDFS Parts 500 and 504, NIST CSF 2.0 and AI RMF, ISO 27001 and 42001, SOC 2, PCI DSS, COSO, the IIA standards, the 2026 model-risk guidance, and the state privacy and AI laws. NIST SP 800-53, the CIS Controls and MITRE ATT&CK Enterprise Mitigations back the control baselines and crosswalks rather than being offered for enrollment. The frameworks page lists every one.

What do the AI agents actually do, and what can they not do?

There are 15 agent task types: regulatory monitoring, paragraph diffing, policy mapping, gap analysis, drafting, citation indexing, exam prep and vendor-report review among them. None of them can approve, close or publish anything. Low-confidence work is routed to a person, and every action is logged.

How long does onboarding take?

We target about two weeks for a successful onboarding cycle. We import your existing controls, governing documents, audit history, map them to the frameworks in scope, and go live before your next exam window.

How do I get access?

Join the waitlist above. We will begin onboarding after putting a couple of bows on the top and email you when your slot opens. There is no sales sequence that is triggered from the waitlist and you will hear from a real person when Zovos is ready.

What does it cost?

Pricing is flat and tier-based by institution size, with SSO, standard integrations, AI agents and regulatory content updates included at every tier. The pricing page has the tiers and an ROI worksheet.

Early access
Get on the waitlist.
We’re expanding our MCP tools to make onboarding faster. Leave your email and we’ll let you know when onboarding opens.
No sales sequence

The Regulatory Radar tracks 57 frameworks and 2,339 citations, with 13 stories in the November 1, 2026 edition. Browse the Radar

Have a question first? Talk to us.

Powered by
  • Bank-grade secure infrastructure
  • AI with Zero Data Retention via AWS Bedrock
  • Security checks on every code change
  • DNS · Security · Edge
AWS is a trademark of Amazon.com, Inc. or its affiliates. Anthropic and Claude are trademarks of Anthropic, PBC. GitHub and the GitHub logo are trademarks of GitHub, Inc. Cloudflare and the Cloudflare logo are trademarks of Cloudflare, Inc. Marks are used to identify the services Zovos runs on. No endorsement is implied.