KYC & Risk Framework for Financial Services
Redaptive is an Energy-as-a-Service platform that enables large enterprises to deploy energy efficiency upgrades without upfront capital, using off-balance-sheet financing and smart metering technology. Their model combines infrastructure, financing, and data insights to drive sustainability goals, operational savings, and long-term ROI.
Location:
Colorado, United States
Role:
Risk Framework
Date:
2023
Preview
https://redaptive.com/
Led the design and implementation of a scalable Know Your Customer (KYC) screening and resolution process at Redaptive, directly supporting the firm’s shift into structured capital and asset remarketing.
Delivered a full procedural playbook, ticketing workflow, case resolution logic, and stakeholder swimlane to the Chief Risk Officer, enabling the company to comply with global risk obligations while maintaining sales velocity.
The Challenge
As Redaptive expanded its financing and remarketing business, its exposure to compliance risk increased dramatically. Existing processes were informal, inconsistent, and lacked accountability across stakeholders. With the company targeting asset-backed financing and more complex capital structures, a clear, auditable KYC workflow became a non-negotiable requirement.
My Role
KYC Process Design
Architected a full end-to-end KYC workflow tied to Redaptive’s remarketing sales cycle. The process spanned buyer verification, batch screening in a compliance data tool, case-by-case risk resolution, and actionable decision outcomes (proceed, flag, or cancel).Stakeholder Alignment
Developed a process to clarify ownership across teams — Commercial, Risk, and Legal — mapping each operational state from KYC initiation through completion, including outcomes for positive matches.Training & Documentation
Authored a detailed KYC Screening Guide including prerequisites, screening steps, match resolution procedures, ticket updates, and escalation protocols. The guide was designed to be self-sufficient, enabling both internal teams and external remarketing suppliers to adopt the process independently.Regulatory Integration
Integrated global sanctions lists and regulatory guidance across 20+ jurisdictions including OFAC, EU, UK, Australia, and Singapore — ensuring screening coverage across all relevant risk jurisdictions.Risk-Tech Implementation
Standardized batch templates and implemented integration with tak management tools for intake, case tracking, and result communication. Delivered a process where most KYC cases could be resolved in under 24 hours without legal escalation.
Outcome
The framework was adopted as Redaptive’s default buyer-screening process across all remarketing activity. It reduced compliance friction, standardized risk handling, and enabled scalable growth into a more finance-driven business model. The process is now embedded in Redaptive’s operational playbook and supports downstream risk & underwriting automation.