Founder @ PliOS - Compliance OS for crypto, fintech, banks & MSBs. Built by former OCC examiners and industry veterans. Get licensed. Stay licensed.
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Crypto. Neobanks. Fintech. TradFi.
Every startup has the same problem: compliance is either a spreadsheet or a $400K enterprise suite.
We built the third option.
plios.co
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The OCC denied Wise's bank charter application, citing deficiencies in its AML program, including suspicious activity identification and investigations, transaction monitoring, and SAR processes.
Compliance isn't something you bolt on once you're ready to scale. It's the foundation regulators expect from day one.
That's exactly why we built PliOS: to help fintechs, crypto companies, and banks build, maintain, and continuously strengthen defensible compliance programs without relying on spreadsheets and expensive consultants.
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This is the direction banking has been moving toward.
More risk-based supervision. More responsible innovation. Greater use of AI by both regulators and financial institutions.
The interesting part isn't that AI was mentioned. It's that the OCC is signaling expectations around faster remediation, better governance, and technology-enabled supervision.
That's exactly the problem we're building for at PliOS. Help compliance teams stay audit-ready before the exam starts, not scramble once it does.
Read @USComptroller Jonathan V. Gould’s remarks on accomplishments in his first year in office and the opportunities ahead: occ.gov/news-issuances/news-….
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2026 feels like the year neobanks finally stop being "neo" and start operating like real banks.
The differentiator isn't going to be the cleanest app or the newest feature. It's going to be who can build and scale a strong compliance program.
Sponsor banks are raising the bar for AML and KYC.
Regulators expect real-time risk management.
Exams and charter applications aren't getting any easier or cheaper.
For a long time, the answer was spreadsheets, last-minute fire drills, and expensive consulting engagements.
Now, AI can handle a lot of the heavy lifting. The key is making sure it's built by people who actually understand banking regulation and compliance.
That's exactly why I built PliOS. It helps teams quickly identify gaps, generate policies and risk assessments tied to actual regulations, stay on top of compliance deadlines, and prepare for exams without needing a huge compliance team.
As more fintechs, crypto companies, and banks push toward profitability and growth, I think compliance becomes a competitive advantage, not just a requirement.
What's been your biggest compliance challenge so far in 2026?
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Addendum from the exam side:
The finding isn't usually "no AML policy."
It's "policy says X, staff does Y, and there's no log either way."
That's what the free snapshot surfaces.
Former OCC examiner hot take:
Most crypto compliance programs aren't "behind."
They're performative.
Beautiful BSA policy.
Zero evidence anyone followed it.
Examiners don't grade your documents.
They grade the distance between your documents and your reality.
I built a free 3-min gap snapshot that scores that distance — every gap cited to the actual regulation.
No signup. No sales call.
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Former OCC examiner hot take:
Most crypto compliance programs aren't "behind."
They're performative.
Beautiful BSA policy.
Zero evidence anyone followed it.
Examiners don't grade your documents.
They grade the distance between your documents and your reality.
I built a free 3-min gap snapshot that scores that distance — every gap cited to the actual regulation.
No signup. No sales call.
Made with AI
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Run it here → plios.co/assess
12 questions an examiner would ask on day one.
You get the score + citations either way.
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Sanctions policy is one of those things every regulated institution thinks they have covered.
Then an examiner asks a pointed question about how your OFAC screening maps to your actual product footprint, and the room goes quiet.
The policy exists, it just wasn't written for the business you actually run. Likely copied from a template, lightly edited, and filed away.
Examiners can tell and they'll press you on it. The procedures reference products you deprecated two years ago and they realize there's no clear thread between the policy and your current vendor stack.
I've seen compliance teams spend weeks rebuilding a sanctions program after an MRA because the original policy never reflected operational reality.
PliOS drafts OFAC sanctions policies tailored to your institution's actual products and footprint - grounded in real regulatory language, not generic templates. Free to start: plios.co/
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Board reports are one of the last places in compliance where nothing has changed in 20 years.
A CCO I spoke with last month described her process: pull data from four different spreadsheets, write narrative summaries by hand, format everything into a slide deck, review with legal, send it up.
She does this every quarter. Some do it monthly.
The board gets a document that looks polished. what it actually reflects is 12 hours of manual assembly, not a real-time picture of the institution's risk posture.
And if something changed two weeks before the meeting, the report doesn't know that.
The gap between what board reports show and what's actually happening inside a compliance program is wider than most CCOs want to admit.
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A compliance gap assessment used to mean one thing:
Hire a consultant, wait 6 weeks, get a 40-page PDF you're not sure how to act on.
PliOS works differently.
You answer a branching interview - questions that adapt based on your institution type, your product footprint, your current program maturity.
The engine scores your responses across multiple compliance categories.
Every score comes with the regulatory citation behind it and a prioritized list of what to fix first.
From there, you can hand the findings directly to drafting agents that write your BSA/AML, KYC/CIP, or OFAC sanctions policies in the actual regulatory language examiners expect to see.
The gap assessment feeds the drafting. The drafting feeds the policy library. The policy library sits next to your risk assessments, filing deadlines, vendor reviews, and board reports - all in one dashboard.
The whole thing is free to start. No credit card. No consultant required.
That is what it looks like when compliance infrastructure is built around the people actually doing the work.
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Most compliance officers I talk to have never failed an exam.
They've just spent weeks of their lives preparing for one. Pulling evidence at midnight, rewriting the same policy section three times because the language didn't match what the examiner cited, tracking down a vendor questionnaire from eight months ago that someone saved in a folder nobody can find, etc. Constant manual work.
Then the exam passes and the process gets forgotten until the next one.
We built PliOS to fix that process.
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Writing BSA/AML policy from scratch is brutal.
You're staring at a blank doc, cross-referencing the FFIEC manual, trying to remember what your last examiner flagged.
Most teams spend weeks on a first draft.
I built PliOS to change that timeline.
You answer a branching interview about your products, customer base, and risk footprint.
The agent drafts a BSA/AML policy in actual regulatory language. Grounded in FinCEN rules. Tailored to your institution.
First draft in minutes, not weeks.
That's what "purpose-trained" actually means in practice.
Try the free gap assessment at plios.co
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Had a call with a community bank CCO today. She told me she keeps her compliance calendar in a spreadsheet with color-coded tabs.
One for MTL renewals. One for FinCEN filings. One for board report deadlines.
She updates it manually - very week.
I asked her what happens when she's OOO - "i just don't go on vacation during filing season."
This isn't a process problem. This is a people problem we turned into a compliance norm.
This is exactly why I built the filing deadline tracker into PliOS. Every MTL renewal, FinCEN deadline, and regulatory due date in one place - automatically surfaced, no spreadsheet required.
Let me be clear - this isn't an edge case. Most lean compliance teams are running on some version of her color-coded tabs.
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You just launched a startup. Now you need licenses, policies, procedures, and risk assessments - all kept current as the rules change.
Building a compliance department from scratch is brutal.
PliOS shows you exactly where your gaps are, in minutes. Free, no signup:
plios.co/assess?utm_source=x…
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the federal register published 11 rule updates last week.
most compliance teams found out from a newsletter. days later.
i built PliOS partly because of this exact problem.
by the time a team reads the alert, forwards it to counsel, and figures out which policy it touches, the week is gone and the next developments release
our regulatory alert feed monitors the federal register in real time and maps new rules directly to the specific sections of your institution's policies that are affected.
not just "hey, something changed." but "here's your OFAC sanctions policy, section 4.2 - this is the part you need to revisit."
that's the difference between awareness and readiness.
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