Walk into the exam with the answer already written.
Split the first-day letter into requests mapped to evidence you already hold, and hand back one package.
| Request | Item | Framework | Status |
|---|---|---|---|
| REQ-04 | BSA/AML risk assessment | FFIEC | Mapped |
| REQ-09 | CRA lending analysis | CRA | In progress |
| REQ-12 | Overdraft program disclosures | UDAAP | Gap |
| REQ-17 | Model validation: attrition | SR 26-2 | Mapped |
Exam prep and scoping
Set up an exam, scope it, and instantiate the first-day letter from request-list templates, so the request list is a starting point rather than a blank page.
- 01Scoping is tied to the frameworks under exam.
- 02Requests are instantiated from request-list templates.
The maximum examination interval
Exam prep shows the longest interval your agency may allow before the next full-scope safety-and-soundness examination. For a bank that is the statutory 12 or 18 months, and for a credit union it follows NCUA’s examination scheduling policy, so each charter sees only its own rules.
- 01Each eligibility condition is shown with the record behind it, and a condition with no record reads Not recorded and never counts as met.
- 02Conditions with no register of their own, such as the capital category, are affirmed by a named member on a date.
- 03An expected next-exam date past the maximum is flagged. Zovos never sets the date, because the regulator does.
The examiner room and request SLAs
The examiner room is a view inside Exam prep. It is where requests are worked and answered, each mapped to evidence you already hold and tracked against an SLA so nothing sits.
- 01Each request is mapped to evidence you hold.
- 02Each request is tracked against its own SLA.
Mock examiner
A mock examiner agent runs a dry-run exam against your evidence and flags the gaps before a real examiner does, for your team to close first.
- 01The dry-run exam runs against your current evidence.
- 02Gaps are flagged for human review and remediation.
Supervisory actions with per-article milestones
Supervisory actions such as MRAs, MRIAs, and consent orders break down into per-article milestones with owners and dates. Each one is tracked to close.
- 01Each article becomes a tracked milestone.
- 02Each milestone has an owner, a due date, and the evidence to close it.
Examiner access grants are scoped and read-only by default
Examiners get access through scoped grants, for example CSI or agency-scoped. Access is read-only apart from a closed set of fieldwork actions, and every grant and revocation is logged.
- 01Grants are scoped by framework, date, and agency.
- 02The only writes examiners can make are fieldwork actions. Grants and revocations are logged.
The consumer exam package
For consumer exams, evidence assembles into one response package rather than forty emails, so the hand-back is a single, coherent artifact.
- 01Examiners get one consumer exam package instead of scattered replies.
- 02The package is assembled from evidence already mapped to requests.
Grounded in shipped behaviour.
- Zovos ships 3 exam request templates and 4 request catalogs.
- Examiner access grants are scoped and read-only apart from a closed set of fieldwork actions.
- The shared corpus holds 54 frameworks and 754 citations.
Counts come from the platform's regulatory corpus, connector registry, and seed template library at release. See the documentation for the current values.
Questions, answered first.
- Can examiners edit anything in Zovos?
- Examiners can take only a closed set of fieldwork actions: requesting a follow-up, asking a question, accepting or returning a submission, and uploading a document. Everything else is read-only, grants are scoped by framework, date, and agency, and every grant and revocation is logged.
- What is the mock examiner?
- It is an agent that runs a dry-run exam against your evidence and flags gaps for your team to close before the real exam begins.
- How is the first-day letter handled?
- Requests are instantiated from templates, mapped to evidence you already hold, and worked in the examiner room against per-request SLAs.
- How are supervisory actions tracked?
- Each article of an MRA, MRIA, or consent order becomes a milestone with an owner, a due date, and the evidence required to close it.
See exam & supervisory management on your library.
Bring your controls, a policy, and one regulator paragraph that gives you trouble. We target two-week onboarding.