Abstract: In various exemplary embodiments, a system and associated method to perform an adaptive risk-based assessment of a user is disclosed. The method includes assigning a risk assessment process to the user and providing a plurality of assessment factors to the risk assessment process. The plurality of assessment factors are based on both the user (e.g., previously assessed factors, residence, phone number, address, etc.) and one or more actions the user may perform (e.g., selling an item in an electronic marketplace and the value of the item). A post-action analysis of the risk assessment process is performed. The risk assessment process can be modified based on a determination of the post-action analysis.