Meet PliOS — the AI compliance advisor that maps your gaps, drafts your policies, and gets you exam-ready. Start the conversation on the right and get a personalized compliance roadmap in minutes. No forms. No credit card.
No signup, no credit card — scored instantly. Or see the AI agents →
↑ Live, interactive. Tap a button or type — PliOS adapts to your institution.
Real product, real regulatory language. Every score, draft, and alert is grounded in the regulation it cites.
Compliance Score
AML Program
Licensing
Sanctions
Critical · 31 CFR 1022.380
FinCEN MSB registration not on file
35-question assessment, scored against industry benchmarks with examiner-grade findings.
AI Policy Draft · BSA/AML Program
3.2 Suspicious Activity Reporting
The Company shall file a SAR with FinCEN for any transaction of $2,000 or more where the Company knows, suspects, or has reason to suspect the transaction…
31 CFR 1022.320(a)(2)Drafting section 3.3 — tailored to your money-transmission products…
21 policy frameworks drafted in real regulatory language — citations included, tailored to your institution.
Regulatory Alert · FinCEN
FinCEN proposes amendments to CVC transaction reporting thresholds
Federal Register · published today
Impact on your program
Affects §3.2 and §5.1 of your AML Program — suggested edit ready for review.
Live Federal Register monitoring, AI-triaged to your business — mapped to the exact sections of your own policies.
Built by former bank regulators and compliance leaders.
PliOS encodes what examiners actually look for — the first-day letter requests, the MRA language, the documentation standards — from people who have spent years on both sides of the examination: as regulators and as institutional compliance leaders.
Not a chatbot bolted onto a form. PliOS is built around purpose-trained agents that assess, draft, operate, and defend — each grounded in real regulatory authority and supervised by your compliance officer.
Human-in-the-loop by default.Every draft, score, and response is cited to authority and routed to your CCO for review — the agents accelerate expert work, they don't file on their own.
Meet your agentsWhether you're getting your first license, maintaining an existing program, preparing for an exam, or building your governance framework. PliOS is built for you.
You didn't become a financial institution to spend half your week on regulatory paperwork.
Most institutions build their compliance program reactively, after a banking partner questionnaire or a regulator comes knocking. Our gap assessment maps exactly where you stand against your obligations before anyone asks.
When regulators schedule an exam, teams scramble to locate policies, chase down evidence, and refresh outdated risk assessments under pressure. PliOS keeps your Risk Assessments, remediation tracker, document repository, and exam responses ready year-round.
Nasdaq BWise, MetricStream, and ComplyAdvantage are built for institutions with $500K+ budgets. PliOS gives a lean compliance team the same operating system at a price that makes sense.
From getting your first license to governing a mature program, PliOS covers the full compliance lifecycle with purpose-built tools at each stage.
Scores, risk assessments, deadlines, policies, findings, and vendor reviews are all visible from one dashboard. No more spreadsheets. No more scrambling.
Every tool you need to build, manage, and defend your compliance program, from your first gap assessment to examiner-grade risk assessments, built by practitioners who've sat across from regulators.
Regulatory coverage
PliOS is built by former bank regulators and compliance leaders who have reviewed, written, and enforced the regulations your institution must comply with. The question logic, scoring rubrics, regulatory citations, and policy templates reflect real examination experience, not generic compliance advice.
No hidden fees. No per-seat fees — Foundation includes up to 3 users, Program is unlimited. Free gap assessment to get started.
Not at all. PliOS serves any US financial institution: crypto exchanges, fintechs, MSBs, community banks, trust companies, RIAs, and companies working toward financial licensing. The core compliance challenges (BSA/AML, formal risk assessments, KYC, exam readiness, vendor risk) are largely the same across institution types.
Yes. This is one of the most common use cases. Our Gap Assessment and Licensing Roadmap are designed specifically for companies preparing for their first regulatory submission, banking relationship questionnaire, or licensing application.
The agents are built on the assessment logic, scoring rubrics, regulatory citations, and policy templates written by former bank regulators and compliance leaders. Everything is cited to authority (FinCEN, OFAC, state rules), and every AI draft is meant for review and approval by your compliance officer — never auto-filed. It accelerates expert work; it does not replace judgment.
FinCEN BSA/AML (31 CFR 1022), OFAC sanctions programs, FinCEN Travel Rule, state money transmitter licensing (all 50 states), NYDFS BitLicense, OCC examination requirements, FDIC compliance frameworks, NCUA guidance, MiCA (EU), and FATF Recommendations.
Chainalysis monitors blockchain transactions. Vanta automates SOC 2 compliance. PliOS is a compliance program management platform that covers your BSA/AML policies, examiner-grade risk assessments, KYC procedures, licensing deadlines, exam remediation, and board reporting in one place.
The free gap assessment is a fast, AI-guided program health check scored across broad compliance categories, ideal for onboarding and your first roadmap. Risk Assessments are the formal, documented assessments regulators expect: Inherent Risk profiling, control effectiveness (Yes / Partial / No / N/A) with evidence attachments, and a Residual Risk rating using the standard examiner formula, scoped to the risk domains relevant to your institution.
No. PliOS is a compliance management tool, not legal advice. We help you organize, track, and operationalize your compliance program. You should still work with qualified attorneys for jurisdiction-specific legal guidance.
Yes. All policies can be exported as PDF or Word documents. Gap assessment results, risk assessment PDF reports, board reports, and exam findings are fully exportable. Your data is never locked in.
Run your free gap assessment in 15 minutes. Get a personalized compliance score, gap analysis, and prioritized roadmap, instantly. No credit card required.
Run My Free AssessmentFor crypto exchanges · fintechs · MSBs · community banks · trust companies · RIAs · and more
A short monthly read on what FinCEN, OCC, and state regulators just changed — and what examiners will ask about it. Written by former bank regulators and compliance leaders.