In large-scale payment networks, entities (card, merchant, etc.) and their interactions play a key role in transaction anomaly detection. However, transaction patterns between different entities usually change more frequently than the production model refresh schedule. Meanwhile, entity embedding tables suffer from high-cardinality and sparse interaction issues. To resolve the above challenges, we present PersonaAgent, an agentic transaction anomaly detection framework which represents the latest entity behavior signals as personas and saves them in a refreshable memory. Offline, a weekly scheduled batch job is used to extract the latest behavior signals and update them in the memory. At inference time, a lightweight adapter retrieves the corresponding entity behavior signals of each transaction from memory and uses them to augment the base anomaly classifier's scoring. Through comprehensive benchmarking with different anomaly detection models at Visa, PersonaAgent is able to score transactions efficiently (a 1,000-transaction CPU batch in 1-2 ms), lifting the PR-AUC by 0.65-6.58% and the production business metric by 8.93-14.24% relatively in deployment.
Yiqiao Jin, Kartik Sharma, Vineeth Rakesh VISA, Yingtong Dou VISA, Menghai Pan Visa Research, Mahashweta Das, Srijan Kumar Georgia Institute of Technology
Retrieval-augmented generation (RAG) extends large language models (LLMs) with external knowledge, but it must balance limited effective context, redundant retrieved evidence, and the loss of fine-grained facts under aggressive compression. Pure compression-based approaches reduce input size but often discard fine-grained details essential for factual accuracy. We propose SARA, a hybrid RAG framework that targets answer quality under fixed token budgets by combining natural-language snippets with semantic compression vectors. SARA retains a small set of passages in text form to preserve entities and numerical values, compresses the remaining evidence into interpretable vectors for broader coverage, and uses those vectors for iterative evidence reranking. Across 9 datasets and 5 open-source LLMs spanning 3 model families (Mistral, Llama, and Gemma), SARA consistently improves answer relevance (+17.71), answer correctness (+13.72), and semantic similarity (+15.53), demonstrating the importance of integrating textual and compressed representations for robust, context-efficient RAG.
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cs.CL
Proceedings of the 64th Annual Meeting of the Association for Computational Linguistics (Volume 1: Long Papers) · 2026 · 正式发表