Adaptive Workflow Management is being increasingly looked upon as one of the cures for the problems plaguing business organizations, which are being forced to continually restructure their business processes in response to changing market conditions. In such a situation, techniques for designing adaptive workflow processes from business goals becomessential. In this paper, we present a knowledge-based technique, incorporating goals and risks, to derive portions of workflow process schemas from user-defined goals and scenarios. We also present a technique for composing these portions to create a complete workflow schema. We also show that our technique can create adaptive workflow processes. Another contribution of this paper, is that it also provides a way to model risks into the workflow process.