¨ I’ve always been an engineer who builds models of nonlinear phenomena, taking raw data and turning them into actionable information.¨ 

Dr. Sylvain Raynes has a PhD in aerospace engineering from Princeton University and an M.S. in Numerical Methods from the Von Karman Institute in Brussels.

Raynes is a highly respected structured finance consultant and teacher, with extensive experience in cutting edge financial innovations at top Wall Street financial firms: Citibank, where he built the credit scoring model; Goldman Sachs, where he worked with Fischer Black; UBS, Credit Suisse First Boston, where he was a deal-maker; and Moody’s Investors Service, where he pioneered (8) new methods of analysis that have since become gold standards in structured finance.

Raynes joined Rutledge in 2000 to build businesses that have modernized structured finance: R&R Consulting, Credit Spectrum Corp. and Clean Fintech, S.L. He is the architect of their proprietary tools, including (but not limited to) ABSTRAK and the Waterfall Editor, both real-time digital valuation and rating platforms for structured finance, and Smart City Ratings, the world’s only dynamic programming rating tool. In Japan, ABSTRAK was certified as IFRS 9 compliant in 2017.

Recent mandates executed by Raynes include the buildout of an automated medical receivables securitization platform; the design and implementation of a digital CLO rating tool using live data-feeds; achievement of IFRS 9 compliance on behalf of European Investment Fund credit-risk transfer transaction (a massive job in record time); design and web-enablement of LOTUS, CSC’s small and medium enterprise [SME] rating platform for pricing commercial loans made to global SME’s and microenterprises; and the design and implementation of a cash flow and rating algorithm to rate the first structured US transaction backed by lease cash flows from a diversified fleet of containerships.