Your team, multiplied.

Zovos AI is the agentic compliance operating system built for fast-paced governance, risk, and compliance 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.

Prefer to watch? 80-second tour

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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 54 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%
Regulatory radar
54 frameworks · tracked
7 · stories · September 2026
Frameworks
54
Citations
754
Federal agencies
7
Browse the Regulatory Radar
Early access
Get on the waitlist.
We’re finishing integrations with the systems you already use and expanding our MCP tools to make onboarding faster. Leave your email and we’ll let you know when onboarding opens.
No sales sequence
Frameworks tracked
FFIEC
BSA / AML
CRA · UDAAP
NCUA · NYDFS
SOC 2 · ISO 27001
NIST CSF 2.0 · AI RMF
ISO 42001
PCI DSS
Colorado AI Act
OFAC · TPRM
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  • AI with Zero Data Retention via AWS Bedrock
  • Preventative control tests via CI/CD
  • DNS · Security · Edge
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MCP server

Bring the assistant you already use.

Claude, Copilot, ChatGPT or any other agent works inside Zovos through the MCP protocol with tools, under your own Zovos role. It reads your work, approvals, findings, KRIs, vendors, regulatory updates, exam request lists and policies. It can create a task or comment on a finding or a risk, and both show a dry run before anything is written. Control-test results wait for a reviewer in Zovos, imports and rollbacks preview first, and no approval or sign-off is reachable.

36 tools · 26 read, 10 write ·

Identity

  • whoamiRead

    Confirms which institution and role your assistant is signed in as before it does anything else.

Docs Q&A

  • searchRead

    Finds the Zovos help article or API reference page that answers your question.

  • fetchRead

    Reads a full help article or API page so the assistant can quote it accurately.

My work

  • get_my_workRead

    Answers “what is on my plate?” with your open tasks, the attestations and certifications waiting on you, and the vendors, risks, KRIs, self-assessments and exceptions you own.

  • list_my_approvalsRead

    Lists the approvals in your queue and says whether you can decide each one. It never approves or rejects anything.

  • search_recordsRead

    Finds a record by its ID, legacy ID or title across the registers your role can read.

GRC reads

  • query_controlsRead

    Lists your controls, with each test procedure, expected evidence and due status when you need to run a test.

  • query_risk_registerRead

    Pulls risks from your register with their inherent and residual ratings, owner, treatment and review status.

  • lookup_obligationsRead

    Answers “what do we owe on this?” from your obligations register, with supporting regulatory citations.

  • answer_evidence_requestRead

    Shows what evidence is already attached to an audit or exam request and what is still missing.

Registers

  • query_findingsRead

    Lists findings from your register with severity, owner, due date and whether each is overdue, one page at a time.

  • get_findingRead

    Reads one finding with its corrective action plan, the plan’s tasks and its recent activity, leaving out internal notes.

  • query_krisRead

    Lists your key risk indicators with their red, amber or green status, thresholds, latest readings and whether readings have stopped arriving.

  • query_vendorsRead

    Lists vendors with tier, criticality and review status, and the SOC reports, DPAs and contracts coming up for renewal.

Regulatory, exams & policies

  • query_reg_updatesRead

    Lists the regulatory updates your institution follows, with whether each applies to you, who owns it and where it stands.

  • get_exam_request_listRead

    Shows an examination’s request list with each request’s owner, due date and status, and how ready the exam is overall.

  • search_policiesRead

    Answers “what does our policy say about this?” with cited excerpts from your current policies.

GRC assist

  • reg_change_impactRead

    Drafts a cited impact summary for one regulatory update, kept as a permanent AI record examiners can see.

  • ddq_answer_assistRead

    Drafts an answer to a due-diligence or security questionnaire question from your approved answers, for a person to review.

Work items

  • create_taskWrite

    Creates a task for a named owner, optionally tied to the record it comes from. It shows a dry run first and writes only when you confirm.

  • add_record_commentWrite

    Comments on a finding or a risk and notifies the people it mentions. It shows a dry run first and posts only when you confirm.

Control testing

  • begin_artifact_uploadWrite

    Starts a secure upload of an evidence file for a control test you ran.

  • commit_artifactWrite

    Verifies an uploaded evidence file arrived intact and scans it for malware, credentials and sensitive data.

  • submit_control_test_resultWrite

    Previews a control-test result, then files it for review. A reviewer other than you accepts it before any rating changes.

  • get_submission_statusRead

    Tells you whether a submitted test was accepted, rejected or sent back to re-perform, with the reviewer’s reasoning.

Migration

  • get_import_templateRead

    Provides the spreadsheet template a register import expects, as a CSV or an Excel workbook with dropdowns.

  • describe_register_schemaRead

    Explains which fields a register needs, their allowed values and an example row, so you can prepare a migration.

  • map_fieldsRead

    Suggests how your spreadsheet’s columns line up with a register’s fields and flags required fields left unmatched.

  • dry_run_importRead

    Checks an import without saving anything: row errors, what would be created or updated, and each field change.

  • run_importWrite

    Imports rows into a register. It shows the preview first and writes only when you confirm.

  • get_import_jobRead

    Reports an import’s progress, counts and row errors, and whether it can still be rolled back.

  • rollback_importWrite

    Undoes an import, restoring updated records and removing new ones unless they changed since. It previews first.

  • save_mapping_templateWrite

    Saves a column mapping so the next import of the same spreadsheet needs no remapping.

  • list_migration_jobsRead

    Lists past and running imports, newest first, so interrupted work can pick up where it stopped.

  • begin_upload_fileWrite

    Starts a secure upload of a large CSV or Excel file for import.

  • commit_upload_fileWrite

    Confirms a large uploaded file arrived intact and really is the file type it claims, ready to import.

How it works

Watch. Map. Prove.

01

Watch

Agents read the regulators directly, including OCC, FDIC, NCUA, CFPB, FinCEN, the Fed and the state regulator in nine charter states. They diff every changed paragraph against the indexed version.

Regulatory change
02

Map

Each change lands on your policies, controls and crosswalks. Anything uncovered becomes a gap with its citation, severity and owner.

Frameworks & crosswalks
03

Prove

Drafts cite the paragraph and version. Findings close only with remediation evidence attached. Examiners get a scoped room instead of a zip file.

Exam management
The platform

One platform, section by section.

The feature pages are grouped by the same sections as the sidebar in the preview above, so each one sits where you will find it in the product. Every feature page describes only what ships.

My work

Findings, tasks, and agent runs land here, for every member of the team.

Compliance

The consumer compliance management system and the monitoring and testing behind it.

Exams & regulatory change

Exam prep, supervisory actions, and the regulatory change that moves your library.

AML/CFT & fraud

The AML/CFT program oversight record, with fraud losses and the fraud case log.

Risk

Enterprise risk on one taxonomy, from the register to KRIs, appetite, and loss events.

Third parties

Vendor and partner oversight, with questionnaires tied to the same risk taxonomy.

Cybersecurity

The Cybersecurity landing, the security incident register and the business continuity register, on the same graph as the controls they rely on.

Model & AI

Model risk and the inventory of AI systems, governed like any other risk.

Credit risk review

A dated loan universe, sampled into credit reviews by a reviewer independent of the credit.

Internal audit

Third-line assurance sits behind a real independence wall.

Board

Directors get a committee-scoped oversight surface with lineage back to the source.

Library

Frameworks, controls, and policies, mapped to the citations behind them.

Administration

Your team, governance, and the connectors that feed the workspace.

Your frameworks

Which frameworks apply to you.

It takes two clicks: your charter and your size. We show which of the frameworks in the corpus apply to you.

Charter
Asset size

38 of 54 frameworks apply to a state bank under $1B in assets.

The state privacy and AI laws layer is coming. Results are indicative and based on charter and asset size. Your examiner’s scoping takes precedence.

Solutions

Start with the week that hurts most.

01

Regulatory change management

Watch the federal banking regulators and your charter state. Get a proposed mapping for every paragraph that moves, before Monday.

ForCompliance
02

Exam readiness

Answer the supervisory letter the same morning it lands. Every control, policy, and issue comes cited and signed.

ForCompliance · AML/CFT & fraud · Cybersecurity
03

Audit prep & evidence

Continuous evidence with paragraph-level citations, owner attestations, and an exportable packet for every framework you have to answer to.

ForInternal audit · Compliance
04

Vendor & third-party risk

Onboard vendors fast, re-attest them on a real cadence, and surface concentration risk before your examiner does.

ForThird-party risk
05

Policy & procedure authoring

Draft, redline, and version policies and procedures against the rule they answer to, with tracked changes, redline export, and e-signed approval in one place.

ForCompliance
06

Issue & finding management

Every gap, exam finding, failed test, and self-identified issue lands in one governed queue with its citation, owner, SLA, and the evidence it needs to close.

ForCompliance · Enterprise & operational risk
07

Control mapping (FFIEC, NIST, ISO)

One control library is crosswalked across 54 frameworks, with 754 indexed citations tracing each rule to the control that satisfies it.

ForCompliance · Cybersecurity
08

Exam prep and the examiner room

Load the first-day letter, watch it segment into requests, map each one to evidence you already hold, and work every request in the examiner room against its SLA.

ForCompliance
09

Internal audit engagements

The audit universe, annual plan, engagements, and workpapers sit on the same graph as the controls being audited, and the auditee never sees past the independence wall.

ForInternal audit
10

Compliance monitoring & testing

Sample by risk, record results in a sample-by-step matrix, capture exceptions with root cause, and let a governed sign-off promote a failed test straight into a finding.

ForCompliance · Fair lending & CRA
11

Model risk management

An SR 26-2 shaped model inventory derives each model’s tier, schedules validation from it, and requires a validator distinct from the developer at sign-off.

ForModel & AI governance
12

AML/CFT program management

Run the BSA/AML risk assessment, OFAC coverage, oversight metrics from your monitoring stack, and the board report from one program view that is ready for the exam.

ForAML/CFT & fraud
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
Analysts on your compliance 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
Regulatory Radar · September 2026

This month on the radar.

This is the monthly newsroom behind the globe. It covers what changed, what it means for your institution, and what to do before the deadline.

What's new · October 2026

Recently shipped.

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

  • Examiners can see more of what their access covers.

    Within the frameworks you grant, an examiner can now open the controls mapped to them with their tests and attestations, read your regulatory updates, obligations and documents, and search and follow links between those records. A request in the exam room links to the policy version that was in force, and your own impact assessments, internal audit work and suspicious activity report decisions stay out of view.

  • Ready-made prompts for your AI assistant.

    One prompt prepares an exam request list by gathering the evidence on file and the gaps for each open request, and another writes a monthly compliance summary from your regulatory updates, overdue findings, key risk indicators and approvals. The assistant proposes next steps and you decide. Members whose access is limited to a business line can now search their own records from the assistant and look up and acknowledge their findings in Slack.

  • Follow a record to everything it touches.

    Vendors, key risk indicators, risk assessments, exam requests, board meetings, decisions, models and AI systems now show their linked records, and a record ID printed elsewhere in the product opens the record it names. A linked record you are not permitted to open shows as restricted.

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.
AI provider
Bank-grade AI services with zero data retention via AWS Bedrock.
How it compares

One system, not a patchwork.

Zovos compared with spreadsheets and a legacy GRC suite
CapabilityZovosSpreadsheetsLegacy GRC suite
Regulatory monitoringAn agent reads Federal Register and eCFR primary sourcesManual reading and re-keyingContent feed, often an add-on module
Citation versioningEvery citation is versioned, and rule text is kept per amendment dateManual copy and pasteVaries by content module
Evidence-gated closeNo finding closes without remediation evidenceNot enforcedConfigurable workflow
Examiner accessScoped, time-boxed grants that are read-only apart from a closed set of fieldwork actionsEmailed copiesRole configuration per deployment
Internal-audit independence wallAuditees see only their own requests, and auditors cannot approve what they may auditFolder permissionsSeparate audit module
Agent human-gating15 agent task types, and output stays a proposal until a person accepts itNot applicableAdd-on module, where offered
Connectors54 across 18 categoriesManual import and exportIntegration projects

Zovos cells reflect shipped product behaviour. Competitor columns describe tool categories rather than specific vendors.

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 54 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. 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.

Talk to us

Tell us your story.

Tell us about your institution, what you’re working on, and what’s getting in the way. Bring any questions you have too, whether they’re about the platform, pricing, security, or getting started. Your note goes straight to hello@zovos.ai, and we usually reply within a week.

What is this about?
Built for examinersFFIEC-alignedReply usually within a week
Email directly