fraud analysts

Abstract: Node-level graph anomaly detection (GAD) identifies nodes whose attributes and interactions deviate from dominant graph regularities. Existing GAD models encode normality and anomaly scoring indirectly through architectures, message passing, reconstruction or contrastive objectives, and tuned score families. This entangles graph trust (how strongly graph structure should define normality), graph-spectral weighting, and anomaly-score choice, yielding scores that are costly, opaque, and unstable across graph regimes. We propose EB-GAD (Empirical-Bayes GAD), a training-free framework that models normality as graph-aware generalized Ornstein-Uhlenbeck (GOU) relaxation toward a graph-filtered template. Empirical Bayes fits the graph precision from the residual-field likelihood; the GOU then turns scoring into a closed-form finite-horizon control energy, the minimum effort to steer a feature-neutral node to its observed endpoint along graph-spectral relaxation. Sweeping relaxation horizon and endpoint tolerance yields a bank of scores that share one fitted prior: equilibrium Mahalanobis scoring is one limit, while finite-horizon control-energy and scale-normalized ratio scores reveal anomalies that static equilibrium scoring can mask. A label-free selector chooses the score family from feature homophily, edge density, and feature dimension, then ranks candidates by fitted-null deviation and rank stability. On 11 benchmarks and without labels at any step, EB-GAD has the best or tied-best AUROC on 9: the four financial fraud networks (up to 3.7M nodes), the YelpChi and Amazon review graphs, Weibo, Reddit and Facebook, with margins of up to 21.7 points. It is second on BlogCatalog and ACM.

Abstract: Credit card fraud detection typically relies on tabular features, while repeated attributes can also provide useful relational signals. This paper proposes THGT-FD, a Temporal Heterogeneous Graph Transformer for Fraud Detection. Each transaction is represented using one transaction token and six types of relation tokens and incorporates Time2Vec encoding into the transaction representation. A Transformer learns the interactions among these tokens within each individual transaction and then outputs a fraud probability. Experiments were conducted on 150,000 transactions sampled from the IEEE-CIS Fraud Detection dataset and chronologically partitioned according to TransactionDT. On the test set, THGT-FD achieved an AUC-ROC of 0.8536, an average precision of 0.4164, and a Recall@5% of 0.4708. The class-weighted histogram-based gradient-boosting baseline achieved an AUC-ROC of 0.8722. The results indicate that relation tokens provide useful information for fraud-risk ranking, although the current model does not yet incorporate entity-level historical aggregation.