SCAFDS: Edge-Feature Graph Attention for Interbank Fraud Detection with Attribution-Grounded SAR Generation
Authors: Mohammad Nasir Uddin
Summary
arXiv:2605. 18913v1 Announce Type: new Abstract: The U.
Relevance
Read next because SCAFDS: Edge-Feature Graph Attention for Interbank Fraud Detection with Attribution-Grounded SAR Generation overlaps with clean result "The marker is a representational handle, not a behavioural one — sharing it between a villain persona and the assistant transfers no misalignment (HIGH confidence)", experiment "#351 follow-up: broader-vocab position-0 sweep at T=1.0 + position-1 suffix isolation", experiment "Language-mismatch LoRA SFT on Qwen2.5-7B leaks the trained completion language into bystander directives the model was never trained on, absent under same-language SFT (LOW confidence)". Matching terms: line, rate, stage, position, model. Source: arxiv cs.CR (Cryptography and Security).
Threat model
Potential threat/caveat for clean result "The marker is a representational handle, not a behavioural one — sharing it between a villain persona and the assistant transfers no misalignment (HIGH confidence)": this item discusses limitation, limitations.
Abstract
arXiv:2605.18913v1 Announce Type: new Abstract: The U.S. financial system processes approximately 1.3 million interbank transactions daily, yet no system in the reviewed literature models fraud propagation across the interbank network using fraud co-occurrence edge features. Prior interbank GNN architectures model credit contagion using credit distress supervision signals, producing systems misaligned for fraud forensics. No existing system generates SAR narratives with per-assertion forensic traceability to specific numerical detection outputs, creating regulatory auditability gaps in FinCEN-submitted reports. This paper introduces SCAFDS (Systemic Contagion-Aware Fraud Detection System), a seven-stage integrated surveillance pipeline addressing five structural limitations of prior art: (1) fraud-specific interbank topology encoding using fraud co-occurrence frequency metrics f(u,v,t) derived from FinCEN SAR registry records; (2) edge-feature-informed graph attention where coefficients are computed from both node representations and fraud co-occurrence edge features; (3) bilinear fraud co-occurrence risk fusion producing institution-level systemic fraud risk scores; (4) attribution-conditioned SAR narrative generation with per-assertion significance thresholds ensuring each FinCEN SAR assertion is traceable to a specific numerical pipeline output; and (5) topology-aware adaptive forensic feedback updating graph attention weights from regulatory dispositions. Experiments on the IEEE-CIS Fraud Detection Dataset (590,540 transactions) and a synthetic FDIC-aligned interbank network (8,103 institutions, 169,800 edges) show SCAFDS achieves AUPRC=0.515+/-0.032 and AUROC=0.802+/-0.018, representing +15.9pp and +13.7pp improvements over GraphSAGE-AML. Partial validation on FDIC enforcement action records (n=4,279) confirms consistent model ranking. USPTO Provisional Patent Application No. 64/061,083, filed May 8, 2026.