Spotlight: Justin Liu @ Charta

A spotlight is a short-form interview with a leader in RCM or health tech.

In this spotlight, you'll hear from Justin Liu, Co-founder and CEO of Charta. You'll learn what Charta does and how Justin thinks RCM will change in the next few years.

What does Charta do?

Charta is a proprietary AI-powered platform that optimizes medical billing and coding workflows.

By running a pre‑bill review on every chart, Charta pinpoints documentation gaps, uncovers missed revenue opportunities, and heads off potential denials – boosting accuracy and compliance in one pass.

Our customers typically see up to a 15.2% lift in RVUs per encounter and an 11% increase in revenue, all delivered with a guaranteed ROI and less administrative drag on clinical teams.

How did you end up working in health tech?

My co-founder and CTO, Scott Morris, and I were fortunate to be part of a team at the forefront of AI infrastructure innovation at Rockset, which ultimately became OpenAI’s first ever product acquisition. We saw an opportunity to take what we had learned and apply it to a space where we could drive real, tangible change. AI infrastructure is an exciting field, but we wanted to build something where AI didn’t just optimize processes – it fundamentally improved outcomes.

Healthcare stood out because of the sheer scale of inefficiencies, particularly in administrative tasks like patient chart reviews and medical billing. What really struck us was that patient charts are essentially the data layer of the entire healthcare system – every clinical decision, every billing code, every compliance check is rooted in chart documentation. Yet, reviewing these charts remains a painfully manual process, bogging down providers and leading to lost revenue, denied claims, and time away from patient care.

Instead of optimizing AI for AI’s sake, we wanted to use our expertise to solve real-world problems in a way that directly impacted people’s lives. That perspective – combined with spending a year earning our medical coding credentials and speaking with over 100 healthcare professionals – helped us build a solution that directly addresses the root problems rather than just iterating on legacy systems.

One of those early conversations was with Dr. Caesar Djavaherian, co-founder and former Chief Medical Officer of Carbon Health. The challenges we were tackling – especially around documentation and billing – were so familiar to him that he not only invested in Charta, but ultimately joined the team as our Chief Medical Officer.

How does your role intersect with revenue cycle management (RCM)?

Charta sits squarely in the middle of the RCM stack – between clinical documentation and claim submission – by running pre‑bill AI audits that boost revenue integrity and slash denial risk. 

As CEO, I’m responsible for turning those RCM pain points into product advantages: I spent my first year interviewing medical professionals, diagramming every hand‑off from charge capture to payment posting, and hard‑coding those insights into our roadmap. 

Today we still meet often with rev‑cycle leaders and use real‑world payer & provider feedback to steer cutting-edge model training and new feature prioritization. 

What do you think RCM will look like two years from now?

CMS has widened its Medicare Advantage audit program, signaling increased scrutiny of billing practices, while new federal guidance from HHS and CMS outlines frameworks for responsible AI use in administrative systems. Together, these shifts are laying the groundwork for a new phase of operational automation across the healthcare sector.

For decades, healthcare operations have lagged behind clinical innovation. The revenue cycle – arguably the financial backbone of the healthcare system – remains manual, fragmented, and error-prone. Despite years of outsourced labor and legacy tools, the problems haven’t been solved – they’ve multiplied.

What’s different now is timing. Health systems are facing unprecedented margin pressure, workforce shortages, and growing regulatory scrutiny. At the same time, there's broad consensus that AI is not just viable – it’s urgently needed. Decision-makers are ready to buy. Infrastructure that can deliver step-change improvements, not just incremental gains, is finally in reach.

Charta already reviews 100% of charts in real time; the next wave is about extending that same AI-powered automation across the rest of the revenue cycle.