← 研踪 PaperTrailACL Anthology · ACL 2026:acl:2026.acl-long.1071 · 记录 #1
Understanding Structured Financial Data with LLMs: A Case Study on Fraud Detection
来源日期（仅到月份） 2026-07
来源记录日期 2026-07
雷达观测 2026-11-01 21:56
摘要
Detecting fraud in financial transactions typically relies on tabular models that demand heavy feature engineering to handle high-dimensional data and offer limited interpretability, making it difficult for humans to understand predictions. Large Language Models (LLMs), in contrast, can produce human-readable explanations and facilitate feature analysis, potentially reducing the manual workload of fraud analysts and informing system refinements. However, they perform poorly when applied directly to tabular fraud detection due to the difficulty of reasoning over many features, the extreme class imbalance, and the absence of contextual information. To bridge this gap, we introduce FinFRE-RAG, a two-stage approach that applies importance-guided feature reduction to serialize a compact subset of numeric/categorical attributes into natural language and performs retrieval-augmented in-context learning over label-aware, instance-level exemplars. Across four public fraud datasets and three families of open-weight LLMs, FinFRE-RAG substantially improves F1/MCC over direct prompting and is competitive with strong tabular baselines in several settings. Although these LLMs still lag behind specialized classifiers, they narrow the performance gap and provide interpretable rationales, highlighting their value as assistive tools in fraud analysis.
论文发现出处
这些页面提供论文线索，不代表同行评审或质量认证。
观测到的版本
平台记录号代表本站观测到的元数据变化，不是作者修订号。来源日期仅到月份或年份时，按该月或该年首日存档。
记录 #1 · 2026-07 · 最新观测版本
Understanding Structured Financial Data with LLMs: A Case Study on Fraud Detection
Detecting fraud in financial transactions typically relies on tabular models that demand heavy feature engineering to handle high-dimensional data and offer limited interpretability, making it difficult for humans to understand predictions. Large Language Models (LLMs), in contrast, can produce human-readable explanations and facilitate feature analysis, potentially reducing the manual workload of fraud analysts and informing system refinements. However, they perform poorly when applied directly to tabular fraud detection due to the difficulty of reasoning over many features, the extreme class imbalance, and the absence of contextual information. To bridge this gap, we introduce FinFRE-RAG, a two-stage approach that applies importance-guided feature reduction to serialize a compact subset of numeric/categorical attributes into natural language and performs retrieval-augmented in-context learning over label-aware, instance-level exemplars. Across four public fraud datasets and three families of open-weight LLMs, FinFRE-RAG substantially improves F1/MCC over direct prompting and is competitive with strong tabular baselines in several settings. Although these LLMs still lag behind specialized classifiers, they narrow the performance gap and provide interpretable rationales, highlighting their value as assistive tools in fraud analysis.
查看此版本解读 →查看此版本原文 ↗