Seonkyu Lim, Inwoo Tae, Gwangui Hong, Jaehoon Lee, Jeongwhan Choi, Taehoon Kim, Min-Soo Kim, Yongjae Lee
Anti-money laundering (AML) investigations are organized around accounts, while the suspicious evidence for an account may reside in only a few of its transactions. Yet many account-level detectors summarize transactions before learning, and message-passing models may aggregate once more over neighboring accounts. We name this discrepancy the aggregation mismatch and study it under an account-window benchmark label defined by the presence of at least one flagged transaction. We recast account-level AML detection as multiple instance learning, in which an account-window is a bag and its transactions are instances. We propose TRACK, which encodes every transaction with a shared encoder and selectively pools the encodings into an account decision. To emulate coarse supervision, we withhold the transaction labels of five AML datasets from TRACK throughout training. Under a time-ordered protocol, TRACK achieves the highest average precision among the tabular and graph baselines trained from account labels on every dataset. Despite using only account-window supervision, it remains competitive with edge classifiers trained directly from transaction labels. Its instance scores also rank flagged transactions well above chance and approach or exceed directly supervised ranking performance across datasets.
Vision-language models such as CLIP enable zero-shot classification from arbitrary class names, but under test-time corruptions, their visual encoder projects distorted features onto incorrect textual anchors with high confidence: a phenomenon we term modality bias. Standard entropy minimization reinforces these overconfident errors, which creates a confirmation-bias loop and collapses the predicted label distribution. We propose an online test-time adaptation (TTA) method that breaks this loop at three levels. At the representation level, a frozen self-supervised backbone (e.g., DINO v2) is combined with CLIP through a cross-covariance logit ensemble. CLIP text prototypes are projected into the feature space of this text-free backbone, so the self-supervised branch classifies native image features and is less affected by the text bias of CLIP. At the optimization level, a gated test-time information-maximization objective pairs per-sample sharpening with batch-level diversity, while an adaptive gate excludes unreliable samples from the gradient. At the prediction level, an online logit adjustment corrects the residual class-distribution skew. CDIM outperforms the compared CLIP-based online TTA baselines on ImageNet-C, CIFAR10-C, and CIFAR100-C, and remains competitive in continual and mixed-domain TTA. Extensive analyses and ablation studies verify the contribution of each of its components. Our code is available at https://github.com/B1ueC1oud/CDIM