Solution · Compliance monitoring & testing
10

A failed test becomes a finding, not a spreadsheet row.

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
SurfacesMonitoring & testing · Absence testing · Findings · Evidence
The shape of the problem · 01

What this actually feels like.

  • 01Every quarter, the testing workpaper is rebuilt from last quarter’s spreadsheet.
  • 02The sample is whatever was easiest to pull, not where the exposure is.
  • 03An exception gets noted in a cell comment and never becomes a tracked issue.
  • 04Proving a prohibited practice is absent means pulling records by hand and hoping the query was right.
How Zovos handles it · 02

Five steps, one graph.

Every step writes back to the same controls, policies, and issues your team already owns. There is no second source of truth.

  1. 01
    Program
    Start from 20 monitoring checklists and 15 work programs. Each program keeps its own workpaper and history.
  2. 02
    Sample
    Draw the sample by risk, so effort lands where the exposure is. The sampling is recorded on the workpaper.
  3. 03
    Test
    Record results in a sample-by-step matrix. Exceptions capture their root cause where they occur.
  4. 04
    Sign off
    At governed sign-off, a failed test promotes into a finding that carries the citation, the owner, and the evidence.
  5. 05
    Prove absence
    Absence testing runs negative assurance against the 13 prohibitions in the corpus, 9 of them swept automatically today. Questionnaires collect structured, reviewable answers.
What changes · 03

What the product does instead.

Starting content
20 checklists and 15 work programs ship as starting points.
Sampling
The sample is drawn by risk and recorded on the workpaper.
Handoff
A failed test becomes a finding with its citation attached.
Negative assurance
Absence testing covers 13 prohibitions, 9 of them swept automatically today.
Related scenarios · 04

If this is your Friday, these are too.

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.

Read the scenario→
03

Audit prep & evidence

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

Read the scenario→

Want to see this on your library?

Bring a control library, a policy, and one regulator paragraph that gives you trouble. We target two-week onboarding.

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