The paper proposes a shift from predictive modeling to descriptive provider behavior profiles for fraud, waste, and abuse (FWA) review. By decomposing billed revenue into provider scale and procedure composition, the authors construct lineage‑aware profiles that capture scale history, code lineage, and clinical family shares. In a large Medicare audit, these simple, interpretable descriptions outperform complex forecasts and improve recall for high‑cost rare events, while an optional semantic factorization adds context without inferring intent.
arXiv:2609.09766v1 Announce Type: new Abstract: Churn models typically identify high-risk customers but do not specify which feasible retention action should be considered or why that action is appro...
arXiv:2607. 17586v1 Announce Type: cross Abstract: Money mule accounts are critical facilitators of financial fraud, yet detecting them at scale remains challenging due to the heterogeneous nature of transactional and behavioural data.
The paper investigates how personalized agents decide to use, ignore, update, or query retrieved user memory before acting on a task. An empirical audit protocol is developed to test structured intermediate outputs, revealing that while exposing state definitions improves accuracy, an explicit state-output field does not significantly enhance policy accuracy for large language models. The study also shows that example-level accuracy overstates consistency, with full four‑way family success being rare, and that providing benchmark‑associated state labels merely conditions predictions rather than proving internal fidelity.
arXiv:2607. 19266v1 Announce Type: cross Abstract: Fraud detection systems must scale with rising transaction volume while remaining explainable and reviewable.
MemGuard-Alpha evaluates whether membership inference attacks (MIA) can detect memorization in large language models (LLMs) used for financial alpha signals. The study combines five MIA methods with a temporal proximity feature and a cross-model disagreement metric, then audits them across seven LLMs, 50 S&P 100 stocks, and 299,600 prompt-model pairs. Findings show that temporal proximity alone perfectly predicts in-sample status, MIA discriminative power largely stems from model scale differences, and filtering based on contamination scores does not improve risk-adjusted performance once transaction costs are considered.
The paper presents a framework for integrating explainable AI into customer churn prediction for telecommunications. It benchmarks four classifiers—Logistic Regression, Random Forest, XGBoost, and LightGBM—on the IBM Telco Customer Churn dataset, finding comparable performance with Logistic Regression achieving the highest AUC-ROC and LightGBM the highest accuracy. Explanations are provided via SHAP and LIME at both global and instance levels, and a four‑layer CRM integration architecture is proposed to translate risk scores and attribution vectors into actionable retention strategies, projecting a 3.3–5.3 percentage point reduction in churn and $199K–$319K savings per campaign cycle.
arXiv:2606. 06776v1 Announce Type: new Abstract: Customer churn prediction is a central task in customer analytics, particularly in non-contractual, pay-per-use service environments where disengagement is not explicitly observed and must be inferred from behavioral inactivity.
arXiv:2607. 26368v1 Announce Type: cross Abstract: Financial disclosures contain numerical claims, temporal statements, entity references, policy commitments, and risk descriptions that may conflict in qualitatively different ways.
Financial disclosures contain numerical claims, temporal statements, entity references, policy commitments, and risk descriptions that may conflict in qualitatively different ways. Detecting a conflict is only the first step: review workflows may also need to determine its type, since numerical, temporal, referential, factual, and normative inconsistencies require different evidence and downstream checks.
FinRiskAtlas is a Chinese-language benchmark designed to evaluate large language models (LLMs) for financial risk review by focusing on decision‑aligned tasks rather than generic financial knowledge. It contains 9,742 instances across 53 task families, including 42 domain‑knowledge families and 11 downstream review operations defined by explicit evaluation contracts. The extended FinRisk‑Ask framework replays 680 pre‑action states from 104 professional trajectories, withholding future evidence during inference to assess evidence‑state control and request targeting. Results across 33 model configurations show that operation‑level evaluation yields distinct rankings and that knowledge‑based shortlisting can incur significant regret, while frequent use of the Ask branch does not necessarily improve evidence acquisition, highlighting gaps in broad financial capability scores.
The paper reports that language‑model agents used for customer‑relationship management can be misled by optimistic assertions from sales representatives in CRM records, leading to incorrect deal approvals. In a benchmark of 100 lead‑qualification tasks, models incorrectly cleared 29 of 31 deals where the representative’s claims contradicted company policies, with misalignment rates ranging from 87% to 97% across seven models. The authors propose diagnostic methods—including bucket analysis, same‑information controls, and compute‑step controls—to distinguish persuasion from information gaps and to quantify the impact of incentive‑misaligned witnesses.
arXiv:2606. 27174v1 Announce Type: new Abstract: Medical device recalls are a critical regulatory mechanism for protecting patient safety.