The paper introduces StreamFraudNet, a weakly supervised model that detects phone scams from raw telephone audio in an incremental fashion. It processes audio through overlapping windows with a frozen self‑supervised encoder, uses recurrent temporal modeling, and aggregates window scores to update predictions every two seconds. On an English benchmark, the model achieves a ROC‑AUC of 0.9953, outperforming baselines while producing its first prediction after 10 seconds and running faster than real time.
By Khang Nhat Hoang Vo, Anh Trac Duc Dinh, Tai Tien Ta, Tho Quan
arXiv:2606. 28048v1 Announce Type: cross Abstract: Insurance fraud remains costly and operationally difficult, particularly in call-centre workflows where many customer interactions begin at FNOL.
By Muhammad Shakeel Akram, Amal Htait, Abdul Hamid Sadka, Emma Meisingseth, Karishma Jaitly
arXiv:2606. 24523v1 Announce Type: cross Abstract: Scam phone calls exploit vulnerable communities worldwide, yet research on detection has focused almost exclusively on English and other high-resource languages.
By Arda Eren, Micheal Cheung, Youqian Zhang, Grace Ngai, Eugene Yujun Fu
FRAUDSkill is a structured frozen‑weight adaptation framework for audio anti‑fraud detection that keeps the underlying audio‑language model unchanged while optimizing external skill programs, route‑specific policies, and decision rules. It combines structured output control with validation‑guided multi‑path inference to produce protocol‑compliant predictions. On the TeleAntiFraud benchmark, FRAUDSkill achieves a 73.50% Macro‑F1 score, outperforming the shared frozen‑model baseline by 31.96% and reducing invalid outputs to 1.94%.
By Chengxian Hu, Zhiming Ma, Mingjun Pan, Yifan Wang, Shun Zhang, Qifan Wang, Zhilei Zhao, Yijin Zhou, Yuxi Zhao, Huiyuan Liu, Peidong Wang, Peng Chen
The study analyzes 10,211 real scam and spam calls collected by an AI voice‑agent honeypot, revealing that scammers operate on a templated, office‑hour schedule and use disposable numbers to recycle scripts. Callers predominantly seek identity anchors such as home addresses and dates of birth, and the amount of conversation increases with the target’s age, though the requested information remains unchanged. Early detection is feasible, with escalation predictability reaching 0.87 ROC‑AUC by the eighth line using simple bag‑of‑words models.
By Ethan Traister, Ankit Raj, Jiaqi Gan, Xingyu Shen, Tyler Wu, Yuchen Zhou, Tommy Duong, Kidus Zewde, Siying Chen, Simiao Ren
Telephone fraud is pervasive and costly, but its inner workings are rarely observed at scale. We analyze a complete corpus of 10,211 inbound scam and spam calls -- 913 hours of audio and 330,956 trans...
The paper presents a cumulative turn‑based risk assessment framework for detecting financial scams targeting older adults, which aggregates conversational turns and updates risk estimates at each step. A multi‑turn dialogue dataset covering investment, charity, and tech support scams is created, with annotations for risk level, score, rationale, and safety recommendation at every cumulative stage. Four small language models (Phi‑4, LLaMA‑3.2, DeepSeek‑R1, Qwen3) are fine‑tuned; Phi‑4 and LLaMA‑3.2 outperform others in turn‑aware risk estimation, demonstrating that compact models can effectively support incremental scam detection in resource‑constrained, privacy‑aware deployments.
By Parviz Ghafariasl, Weimin Fu, Xiaolong Guo, Shing I. Chang
arXiv:2506.11635v2 Announce Type: replace-cross
Abstract: Credit card fraud mitigation plays a significant role in modern society. While fraud detection systems are essential, they often struggle to...
By Shaun Shuster, Eyal Zloof, Asaf Shabtai, Rami Puzis
arXiv:2606. 28002v1 Announce Type: cross Abstract: Insurance fraud imposes substantial financial losses and operational inefficiencies, raising premiums and impacting trust among legitimate policyholders.
By Muhammad Shakeel Akram, Amal Htait, Abdul Hamid Sadka, Emma Meisingseth, Karishma Jaitly
The paper introduces a new evaluation setting called scenario‑level out‑of‑distribution (SL‑OOD) detection for SMS and voice phishing, where entire attack scenarios are omitted from training while the label space stays fixed. It shows that high in‑distribution performance does not guarantee robustness to unseen scenarios, attributing this to scenario memorization. The authors propose ECoG, an evidence‑consistent generative framework that uses evidence‑span supervision and a rationale‑label consistency objective, achieving notable improvements in Macro‑F1, reduced prediction‑rationale inconsistency, and higher token‑level overlap with reference evidence.
By San Kim, JinYeong Bak
arXiv:2607. 19266v1 Announce Type: cross Abstract: Fraud detection systems must scale with rising transaction volume while remaining explainable and reviewable.
By Rahil Sharma
The paper introduces a validation‑gated audit framework for voice AI customer‑care systems, treating them as stateful, multi‑turn, tool‑mediated interactions where bias and safety can manifest as added burdens before a final decision. The framework distinguishes between native speech‑to‑speech, cascaded ASR‑to‑LM‑to‑TTS, and hybrid architectures, and applies matched service facts across controlled caller presentation conditions to validate fact invariance, presentation cues, artifacts, and acoustic measurements. It outlines seven validation gates, a six‑family metric set, and demonstrates the approach with a synthetic refund‑dispute audit example, while noting that production results are withheld until the protocol is satisfied.
By Vignesh Ethiraj, Ashwath David