{"id":33758,"date":"2025-05-19T03:18:11","date_gmt":"2025-05-19T03:18:11","guid":{"rendered":"https:\/\/cleanfintech.io\/?page_id=33758"},"modified":"2025-05-19T13:34:22","modified_gmt":"2025-05-19T13:34:22","slug":"about-sylvain","status":"publish","type":"page","link":"https:\/\/cleanfintech.io\/?page_id=33758","title":{"rendered":"About Sylvain"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"33758\" class=\"elementor elementor-33758\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2cc2efd7 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2cc2efd7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-37461f80\" data-id=\"37461f80\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3e106108 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e106108\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3a2c4927\" data-id=\"3a2c4927\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6246cedc elementor-widget elementor-widget-image\" data-id=\"6246cedc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"720\" height=\"960\" src=\"https:\/\/cleanfintech.io\/wp-content\/uploads\/2025\/05\/Sylvain_Raynes_1.jpg\" class=\"attachment-large size-large wp-image-33753\" alt=\"\" srcset=\"https:\/\/cleanfintech.io\/wp-content\/uploads\/2025\/05\/Sylvain_Raynes_1.jpg 720w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2025\/05\/Sylvain_Raynes_1-225x300.jpg 225w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b835685\" data-id=\"b835685\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-583b376e\" data-id=\"583b376e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51d16ecc elementor-widget elementor-widget-text-editor\" data-id=\"51d16ecc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b style=\"text-align: justify;\"><i>\u00a8 I\u2019ve always been an engineer who builds models of nonlinear phenomena, taking raw data and turning them into actionable information.\u00a8&nbsp;<\/i><\/b><\/p><p><b style=\"text-align: justify;\"><i><br><\/i><\/b><\/p>\n<p style=\"text-align: justify;\">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.<\/p><p style=\"text-align: justify;\"><br><\/p>\n<p style=\"text-align: justify;\">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\u2019s Investors Service, where he pioneered (8) new methods of analysis that have since become gold standards in structured finance.<\/p><p style=\"text-align: justify;\"><br><\/p>\n<p style=\"text-align: justify;\">Raynes joined Rutledge in 2000 to build businesses that have modernized structured finance: R&amp;R Consulting, Credit Spectrum Corp. and Clean Fintech, S.L. He is the architect of their proprietary tools, including (but not limited to) <b>ABSTRAK<\/b> and the Waterfall Editor, both real-time digital valuation and rating platforms for structured finance, and Smart City Ratings, the world\u2019s only dynamic programming rating tool. In Japan, ABSTRAK was certified as IFRS 9 compliant in 2017.<\/p><p style=\"text-align: justify;\"><br><\/p>\n<p style=\"text-align: justify;\">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\u2019s small and medium enterprise [SME] rating platform for pricing commercial loans made to global SME\u2019s 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-505f721f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"505f721f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-942cf40\" data-id=\"942cf40\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f174ed3 elementor-widget elementor-widget-heading\" data-id=\"2f174ed3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Sign up for the  <span style=\"color:#8c9eaa;font-weight:800\">Clean Fintech<\/span> newsletter.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d6f6124 elementor-widget elementor-widget-heading\" data-id=\"5d6f6124\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Receive emails on our rating analysis, financial second opinions, and better financial approach &amp; trends.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4b368716 elementor-hidden-mobile\" data-id=\"4b368716\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6c7e87fe\" data-id=\"6c7e87fe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d9be7ee elementor-widget elementor-widget-wp-widget-mc4wp_form_widget\" data-id=\"2d9be7ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wp-widget-mc4wp_form_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>(function() {\n\twindow.mc4wp = window.mc4wp || {\n\t\tlisteners: [],\n\t\tforms: {\n\t\t\ton: function(evt, cb) {\n\t\t\t\twindow.mc4wp.listeners.push(\n\t\t\t\t\t{\n\t\t\t\t\t\tevent   : evt,\n\t\t\t\t\t\tcallback: cb\n\t\t\t\t\t}\n\t\t\t\t);\n\t\t\t}\n\t\t}\n\t}\n})();\n<\/script><!-- Mailchimp for WordPress v4.12.5 - https:\/\/wordpress.org\/plugins\/mailchimp-for-wp\/ --><form id=\"mc4wp-form-1\" class=\"mc4wp-form mc4wp-form-30964\" method=\"post\" data-id=\"30964\" data-name=\"myform\" ><div class=\"mc4wp-form-fields\"><div class=\"mc4wp-form-fields\"><div class=\"formwrap\"> <input type=\"email\" name=\"EMAIL\" placeholder=\"Your email address\" required=\"\"> <input class=\"submit ribbon_inv\" type=\"submit\" value=\"Sign up\"><\/div> <small>Don't worry! We won't spam you!<\/small><\/div><label style=\"display: none !important;\">Leave this field empty if you're human: <input type=\"text\" name=\"_mc4wp_honeypot\" value=\"\" tabindex=\"-1\" autocomplete=\"off\"><\/label><input type=\"hidden\" name=\"_mc4wp_timestamp\" value=\"1709061382\"><input type=\"hidden\" name=\"_mc4wp_form_id\" value=\"30964\"><input type=\"hidden\" name=\"_mc4wp_form_element_id\" value=\"mc4wp-form-1\"><div class=\"mc4wp-response\"><\/div><\/div><label style=\"display: none !important;\">Leave this field empty if you're human: <input type=\"text\" name=\"_mc4wp_honeypot\" value=\"\" tabindex=\"-1\" autocomplete=\"off\" \/><\/label><input type=\"hidden\" name=\"_mc4wp_timestamp\" value=\"1778247811\" \/><input type=\"hidden\" name=\"_mc4wp_form_id\" value=\"30964\" \/><input type=\"hidden\" name=\"_mc4wp_form_element_id\" value=\"mc4wp-form-1\" \/><div class=\"mc4wp-response\"><\/div><\/form><!-- \/ Mailchimp for WordPress Plugin -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<div class=\"tmnf_excerpt\"><p>\u00a8 I\u2019ve always been an<\/p>\n<\/div>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"give_campaign_id":0,"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-33758","page","type-page","status-publish","hentry"],"aioseo_notices":[],"campaignId":"","_links":{"self":[{"href":"https:\/\/cleanfintech.io\/index.php?rest_route=\/wp\/v2\/pages\/33758","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cleanfintech.io\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cleanfintech.io\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cleanfintech.io\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cleanfintech.io\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=33758"}],"version-history":[{"count":31,"href":"https:\/\/cleanfintech.io\/index.php?rest_route=\/wp\/v2\/pages\/33758\/revisions"}],"predecessor-version":[{"id":33812,"href":"https:\/\/cleanfintech.io\/index.php?rest_route=\/wp\/v2\/pages\/33758\/revisions\/33812"}],"wp:attachment":[{"href":"https:\/\/cleanfintech.io\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=33758"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}