Multi-Stream Temporal Fusion for Financial Fraud Detection
Financial fraud detection in digital banking requires reasoning over multiple heterogeneous event streams -- transactions, login sessions, risk signals -- that individually appear benign but collectively reveal fraudulent patterns. We propose the Multi-Stream Fraud Transformer (MSFT), a unified architecture that encodes each event stream with independent Transformer encoders and fuses their representations through configurable mechanisms. We conduct a systematic ablation study comparing five fusion strategies: concatenation, gated fusion, time-aware positional encoding, cross-stream attention, and a full combination. On a large-scale dataset (10M users, 1.5% fraud rate) with 85M parameter...
| Authors | Mohammadamin Dashti Moghaddam, Nick Sciarrilli |
|---|---|
| Primary category | cs.LG |
| Published | 23 June 2026 |
| Last updated at source | 23 June 2026 |
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