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Find your Friday afternoon.
Every compliance team has a moment that sets the week: the supervisory letter at 4:50 PM, the auditor's evidence request, the vendor whose SOC 2 just expired. Zovos is built around those moments. Pick the one that ruins yours.
Solution scenarios
Regulatory change management
Watch the federal banking regulators and your charter state. Get a proposed mapping for every paragraph that moves, before Monday.
Exam readiness
Answer the supervisory letter the same morning it lands. Every control, policy, and issue comes cited and signed.
Audit prep & evidence
Continuous evidence with paragraph-level citations, owner attestations, and an exportable packet for every framework you have to answer to.
Vendor & third-party risk
Onboard vendors fast, re-attest them on a real cadence, and surface concentration risk before your examiner does.
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.
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.
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.
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.
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.
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.
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.
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.
Find your job family.
Zovos arranges the sidebar and the dashboard around the work each person does at a bank or credit union. Pick your job family to see what opens first, what your role can approve and which scenarios matter most.
Compliance
The compliance management system, exam prep and regulatory change open first for the chief compliance officer and the analysts.
Fair lending & CRA
HMDA, CRA and the fair lending side of the compliance management system open first for the fair lending officer.
AML/CFT & fraud
The AML/CFT program view, exam prep and regulatory change open first for the AML/CFT officer and the fraud team.
Enterprise & operational risk
The risk register, self-assessments, KRIs, appetite and loss events open first for the chief risk officer and the risk team.
Third-party risk
TPRM, partner programs and questionnaires open first for the vendor manager and the third-party risk team.
Cybersecurity
The Cybersecurity landing, the security incident register and the business continuity register open first for the information security officer and the continuity lead.
Model & AI governance
The model inventory, the AI systems registry and model governance open first for the model risk owner.
Internal audit
The audit universe, the plan and engagements open first for the chief audit executive and the audit staff.
Credit risk review
The loan universe, credit reviews and review exceptions open first for the loan review officer.
Board / Supervisory Committee
The Board portal opens first for directors and for audit, risk and supervisory committee members.
Executive management
Risk, Compliance and exam groups open first for the chief executive and senior management.
Business-line owner
First-line owners work from My work on their own tasks, attestations, vendors and self-assessments.
Don't see your scenario? Write me directly.
If your team's pain doesn't fit one of these, that's a useful data point. The product is shaped by the scenarios compliance teams actually live in.