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01.
PLOS Computational Biology 2026-06-01

Histology-informed spatial domain identification through multi-view graph convolutional networks

Authors:

by Huihui Zhang, Jiaxing Chang, Zirong Li, Yue Sun, Pinli Hu, Haoxiu Wang, Hang Yang, Yonglin Ren, Xingtan Zhang, Zehua Chen, Kok Wai Wong, Haojing Shao Identifying spatial domains is crucial in spatial transcriptomics, yet effectively integrating gene expression, spatial location, and histology remains challenging. We present STESH, a Spatial Transcriptomics clustering method that combines Expression, Spatial information and Histology. STESH extracts histological features using a convolutional neural network and generates expression, histology, spatial, and collaborative convolution modules for a multi-view graph convolutional network with a decoder and attention mechanism. We evaluated STESH on multiple tissue types and technology platforms. STESH consistently outperformed ten state-of-the-art methods, achieving superior clustering accuracy with the highest scores in adjusted Rand index, normalized mutual information, and Fowlkes-Mallows index.

02.
arXiv (CS.AI) 2026-06-16

AC-ODM: Actor–Critic Online Data Mixing for Sample-Efficient LLM Pretraining

arXiv:2505.23878v2 Announce Type: replace-cross Abstract: Optimizing pretraining data composition is pivotal for LLM generalization. While dynamic mixing outperforms static strategies by capturing evolving training dynamics, current methods fail to reconcile computational efficiency with sample efficiency and structural flexibility for diverse pipelines.We introduce Actor–Critic Online Data Mixing (AC-ODM), which approaches data mixing from a reinforcement learning perspective with a parameterized policy that we theoretically prove to act as a dynamic linear surrogate maximizing the constructive interference of gradients. To enhance practical flexibility, AC-ODM supports two operational modes: (i) a proxy mode for fixed, pre-prepared corpora, where a policy learned on a small model is transferred to a larger target; and (ii) a non-proxy mode for direct end-to-end training from scratch without priors. Empirically, AC-ODM significantly outperforms prior methods in convergence speed and downstream accuracy across various architectures. On Pythia-1B, it reaches optimal validation perplexity using up to 66% fewer training steps than competitive baselines, delivering a 27.5% relative improvement in MMLU accuracy and a 2.23 x higher pass@1 on HumanEval, all while incurring a virtually negligible (0.4%) per-step wall-clock increase and only 2% additional memory overhead. Code is available at https://github.com/DANG-ai/AC-ODM.

03.
bioRxiv (Bioinfo) 2026-06-11

DModE: An end-to-end framework for Differential Modification and Expression Analysis of Nanopore direct RNA sequencing data

Summary: Nanopore direct RNA sequencing (DRS) enables simultaneous quantification of transcript abundance and RNA modifications from native RNA molecules, providing a unique opportunity to study transcriptional and epitranscriptomic regulation within a single experiment. However, comprehensive analysis of DRS data remains challenging, as existing workflows typically focus on individual processing steps and often require manual integration of multiple software packages for expression analysis, modification detection, statistical testing, and visualization. Furthermore, integrated differential expression and differential RNA modification analysis at both gene and isoform resolution remains poorly supported by current workflows. Here, we present DModE (Differential Modification and Expression Analysis), an end-to-end framework for integrated analysis of Nanopore DRS data. DModE combines an Epi2ME-compatible Nextflow preprocessing workflow with a dedicated Python package for downstream statistical analysis, visualization, and reporting. The framework supports differential gene and isoform expression analysis, differential RNA modification analysis at genome and transcript level, metagene profiling, exploratory epitranscriptomic analyses, and integrated assessment of relationships between expression and modification dynamics. Results are automatically summarized in interactive HTML reports, facilitating reproducible and accessible data interpretation. By integrating transcriptomic and epitranscriptomic analyses within a single framework, DModE substantially simplifies comprehensive DRS data analysis and lowers the barrier for studying RNA modification biology using Nanopore sequencing.

04.
arXiv (quant-ph) 2026-06-24

Augmenting Imaginary-Time Evolution with Local Geometric Information

arXiv:2606.23934v1 Announce Type: new Abstract: Imaginary-time evolution (ITE) underpins a broad family of algorithms for ground-state preparation in quantum simulation and quantum many-body physics. In these methods, convergence is governed by the energy variance of the instantaneous state, causing the flow to approach the ground state only asymptotically. We introduce an augmented imaginary-time evolution (AITE) framework that replaces the standard gradient flow on the energy landscape with a geometrically informed descent along locally optimal directions, which are identified by exploiting the higher-order statistical structure of the instantaneous energy distribution. The resulting flow strictly outperforms standard ITE throughout the entire evolution and exhibits two qualitatively distinct regimes: a superlinear convergence regime, followed by an extinction regime in which the energy error vanishes exactly at a finite imaginary time, in sharp contrast to the asymptotic exponential decay of ITE. Standard ITE is recovered in the zero-skewness limit of AITE, implying that the acceleration extends naturally across the broader ITE algorithmic family.

05.
arXiv (CS.LG) 2026-06-15

Learning Variable-Length Tokenization for Generative Recommendation

arXiv:2605.17779v2 Announce Type: replace Abstract: Generative recommendation reformulates recommendation as next-token prediction over discrete semantic identifiers (IDs). A fundamental yet unexplored design choice is that existing methods employ fixed-length tokenization for all items, implicitly assuming uniform encoding capacity regardless of item characteristics. Through systematic experiments across four datasets, we discover the Popularity-Length Paradox: popular items achieve optimal performance with short IDs, while tail items require substantially longer codes to capture discriminative semantics. This reveals a critical mismatch where popular items benefit from abundant collaborative signals and require minimal semantic detail, whereas tail items must rely on fine-grained content features due to sparse interaction data. To address this, we propose VarLenRec, a framework for learning variable-length tokenization. We develop Popularity-Weighted Information Budget Allocation (PIBA), an information-theoretic framework proving that optimal ID length should scale as a negative power of popularity. Directly implementing variable-length allocation faces two technical challenges: standard Euclidean residual quantization lacks geometric capacity to support diverse code lengths without distortion, and discrete length decisions are non-differentiable. We address these through Hyperbolic Residual Quantization, which leverages the exponential volume growth of the Poincaré ball to naturally stratify encoding capacity, and a Soft Length Controller, which enables differentiable length prediction via continuous layer retention probabilities regularized by PIBA-derived priors. Extensive experiments demonstrate that VarLenRec achieves significant improvements over state-of-the-art methods in recommendation accuracy and training/inference efficiency, revealing the importance of adaptive encoding capacity in generative recommendation.

06.
Nature (Science) 2026-06-10

Two-component exciton condensates in an electron–hole bilayer

Authors:

Macroscopic quantum coherence emerges when bosons condense into a Bose–Einstein condensate (BEC)1–5. Excitons are a long-sought solid-state route to high-temperature BECs with strong interactions, electrical tunability and potentially multicomponent spinor order, but conclusive evidence for equilibrium condensation has remained elusive. Here we report evidence for two-component exciton BECs in MoSe2/hBN/WSe2 electron–hole bilayers6–9 by probing the spin–valley susceptibility of constituent electrons and holes. This heterostructure hosts equilibrium exciton fluids with four spin–valley flavours. Magneto-optical spectroscopy in a dilution refrigerator reveals three exciton condensate phases with distinct flavour polarizations. At zero magnetic field, the many-body ground state is a coherent superposition of two condensed intravalley exciton flavours. Under a magnetic field, the intravalley exciton condensate first switches to a two-component intervalley condensate through a first-order quantum phase transition at a weak critical field and then turns into a fully polarized single-component condensate at high fields. The condensate signatures form a dome in density–temperature space, persisting up to approximately 1.8 K. Our results establish van der Waals electron–hole bilayers as a versatile platform for strongly interacting, multicomponent exciton BECs. Macroscopic quantum coherence arises in two-component exciton Bose–Einstein condensates within MoSe2/hBN/WSe2 electron–hole bilayers, exhibiting distinct spin–valley polarized phases, quantum phase transitions under magnetic fields and stable condensate behaviour up to approximately 1.8 K.

07.
arXiv (CS.LG) 2026-06-19

Improved Stochastic Optimization of LogSumExp

arXiv:2509.24894v4 Announce Type: replace-cross Abstract: The LogSumExp function, dual to the Kullback-Leibler (KL) divergence, plays a central role in many important optimization problems, including entropy-regularized optimal transport (OT) and distributionally robust optimization (DRO). In practice, when the number of exponential terms inside the logarithm is large or infinite, optimization becomes challenging since computing the gradient requires differentiating every term. We propose a novel convexity- and smoothness-preserving approximation to LogSumExp that can be efficiently optimized using stochastic gradient methods. This approximation is rooted in a sound modification of the KL divergence in the dual, resulting in a new $f$-divergence called the Safe KL divergence. Our experiments and theoretical analysis of the LogSumExp-based stochastic optimization, arising in DRO and continuous OT, demonstrate the advantages of our approach over existing baselines.

09.
arXiv (CS.AI) 2026-06-19

How Do Instructions Shape Speech? Cross-Attention Attribution for Style-Captioned Text-to-Speech

arXiv:2606.20532v1 Announce Type: new Abstract: Style-captioned text-to-speech systems use natural language to control voice characteristics, but how individual words influence acoustic output remains unclear. Understanding this is critical for diagnosing failure modes and improving controllability in expressive TTS. We propose cross-attention attribution for speech diffusion models, adapting the DAAM framework to the speech domain for the first time, and apply it to CapSpeech-TTS. Our method extracts per-token heatmaps across 25 layers and 24 ODE steps. We analyze 3,600 (style caption, text transcript) combinations comprising 120 style captions conditioning the generation of 30 text transcripts each, revealing how caption tokens shape waveforms. Results show: (1) style tokens have lower temporal variance than content/function tokens, confirming global conditioning; (2) style attention correlates with F0 and energy; (3) style conditioning peaks in early steps and deep layers; (4) attention entropy reaches its minimum at layer 17, co-occurring with the style importance peak, indicating maximal network selectivity at the most style-critical stage. This is the first study of how natural language influences cross-attention in speech diffusion models

10.
arXiv (CS.LG) 2026-06-19

How to sketch a learning algorithm

Authors:

arXiv:2604.07328v3 Announce Type: replace Abstract: How does the choice of training data influence an AI model? This broad question is of central importance to interpretability, privacy, and basic science. At its technical core is the data deletion problem: after a reasonable amount of precomputation, quickly predict how the model would behave in a given situation if a given subset of training data had been excluded from the learning algorithm. We present a data deletion scheme capable of predicting model outputs with vanishing error $\varepsilon$ and failure probability $\delta$ in the deep learning setting. Our precomputation and prediction algorithms are only $\tilde{O}(\log(1/\delta)/\varepsilon^2)$ factors slower than regular training and inference, respectively. The storage requirements are those of $\tilde{O}(\log(1/\delta)/\varepsilon^2)$ models. Our proof is based on an assumption that we call stability. In contrast to the assumptions made by prior work, stability appears to be fully compatible with learning powerful AI models. In support of this, we show that stability is satisfied in a minimal set of experiments with microgpt. Our code is available at https://github.com/SamSpo1/microgpt-sketch. At a technical level, our work is based on a new method for locally sketching an arithmetic circuit by computing higher-order derivatives in random complex directions. Forward-mode automatic differentiation allows cheap computation of these derivatives.

11.
arXiv (quant-ph) 2026-06-11

Handbook of Error-Correcting Codes

arXiv:2606.11484v1 Announce Type: new Abstract: Barcode scans, clear phone calls, reliable data storage, satellite communication, and large-scale quantum computation are all made possible by error correction. We present a handbook version of The Error Correction Zoo, a curated reference of methods for protecting classical or quantum information from errors during storage and transmission. The handbook includes descriptions of these error-correcting codes and a classification according to the symbols they use. It also catalogues relations among codes and related objects such as sphere packings, lattices, designs, groups, and classical and quantum phases of matter. The collection is intended both as a rigorous reference and as a practical aid for tracing the web of code relationships and uncovering new connections.

12.
arXiv (quant-ph) 2026-06-12

Measuring Control-Plane Openness in Near-Term Quantum Computing: A Rubric, Its Validation, and an Application to Thirteen Vendor Stacks

arXiv:2605.15233v2 Announce Type: replace Abstract: Public access to pulse-level and control-electronics interfaces in commercial quantum computing has bifurcated. This paper proposes a six-axis rubric for measuring control-plane openness, the layer between gate-level circuit specification and physical control electronics, defined operationally so that the same evidence produces the same grade across vendors. The rubric is validated three ways: a blinded re-grading pass, thirty-nine days after the evidence cutoff, that tests whether the cited evidence and the level definitions alone reproduce the recorded grades; a boundary-case methodology that fixes where each level begins and ends; and a published grading protocol that lets others reproduce and contest any cell. We establish that the rubric measures change rather than describing a snapshot by comparing the catalog against the documented control plane before the February 2025 removal of pulse-level access from IBM hardware, and reporting the cells that moved. The rubric is applied to thirteen commercial vendors across superconducting, trapped-ion, neutral-atom, and photonic modalities as of May 1, 2026, as its first application, and one of the three harms the rubric is designed to detect is demonstrated through a reproduction-access audit of five pre-2025 IBM Qiskit Pulse experiments against the access available on current hardware, carried through to a client-side structural port of the audit's selected target to Rigetti Quil-T. The catalog ships as a separate machine-readable artifact under CC-BY-4.0 with per-cell source URLs (https://doi.org/10.5281/zenodo.20163276). The catalog readings will change as vendor policies shift; the rubric is the contribution that survives them.

13.
arXiv (CS.CV) 2026-06-15

A Qualitative Review of GenAI-Based Methods for Data Generation and Augmentation in Industrial Computer Vision Applications

AI-driven computer vision applications require a profound database to ensure predictable behaviors and performance. Such predictable behaviors are especially important for industrial applications in gaining trust from users. However, such a database is not readily available in industrial applications, and its acquisition is not trivial either. Active learning methods can be applied to ramp up data within a project deployment to iteratively increase the database, and thus the application predictability. Unfortunately, we observe that this often leads to a loss of user trust in the application, which is difficult to regain once lost. This leads to a "chicken-and-egg" dilemma in which neither the database nor the application is developed. In this work, we review state-of-the-art methods and approaches to further boost the database the initial active data ramp-up phase. Here, we focus on recent advancements in GenAI-based data generation and augmentation methods and review their adaptability on an industrial computer vision classification use case. Although we observe a potential for automatic data ramp-up, we also see a domain miss match in between the source (training environment) and target (industrial use-case) - regarding context defined in natural language and object characteristics.

14.
arXiv (CS.LG) 2026-06-25

Towards Scalable Multi-Task Reinforcement Learning with Large Decision Models

Authors:

arXiv:2606.24962v1 Announce Type: new Abstract: Recent progress in large-scale sequence modeling has shown that a single model can learn useful representations across highly diverse data distributions. Inspired by these advances, we investigate whether a unified transformer policy can be trained across large collections of heterogeneous reinforcement learning environments. We introduce LDM-v0, a Large Decision Model trained offline on trajectories collected from thousands of environments spanning multiple domains and modalities. LDM-v0 is a multi-task, multi-modal transformer policy conditioned on histories of observations, actions, rewards, and termination signals, and trained through supervised next-action prediction over offline trajectories. We describe the environment infrastructure, automated data generation pipeline, model architecture, and training methodology used to build LDM-v0, and evaluate its performance across diverse environments. We show that a single pretrained model matches the performance of independently trained task-specific reference policies on approximately 1,000 environments including robotics, autonomous driving, inventory management, cybersecurity, trading, and video games. These results demonstrate the feasibility of large-scale offline pretraining across heterogeneous reinforcement learning environments using a single transformer policy.

15.
arXiv (math.PR) 2026-06-18

A Stochastic ISCS Markov Model for Fake News Propagation

Authors:

arXiv:2606.18282v1 Announce Type: cross Abstract: This paper studies the propagation of fake news through a stochastic rumor spreading model based on Markov chains. Inspired by classical epidemiological SIR models, we consider a generalization of the Daley-Kendall framework for rumours that incorporates fact-checkers, following the Ignorant/Spreader/Checker/Stifler model introduced in Piqueira (2020). The model analyzes the influence of checkers on fake news dynamics. Numerical simulations are used to illustrate the behavior of the system and the impact of fact-checkers.

16.
arXiv (quant-ph) 2026-06-25

Rounding Almost Commuting Hamiltonians

arXiv:2605.26096v2 Announce Type: replace Abstract: Commuting Hamiltonians lie at the boundary between classical constraint satisfaction and quantum many-body physics, exhibiting rich quantum structure while remaining more tractable than general noncommuting models. In contrast, physical Hamiltonians are rarely exactly commuting, which naturally motivates the study of almost commuting Hamiltonians. Despite their relevance, the implications of approximate commutation are only poorly understood. In this work, we show how to efficiently approximate any almost commuting $2$-local qubit Hamiltonian by a commuting one: we give a new locality-preserving algorithmic rounding technique that maps any $2$-local Hamiltonian $H=\sum_{i=1}^m h_i$ with $\|[h_i,h_j]\| \leq \epsilon$ to a nearby Hamiltonian $\hat{H}$ whose terms pair-wise commute, and which is within overall distance $\|H-\hat{H}\| = O(m\,\epsilon^{1/6})$. As a consequence, we show that $\delta$-approximations to the ground energy for $\epsilon$-almost commuting $2$-local qubit Hamiltonians lie in $\mathsf{NP}$ when $\delta \gg m\epsilon^{1/6}$, extending the classical containment well beyond the commuting setting. Finally, we present two applications of our rounding framework: Gibbs sampling and fast Hamiltonian simulation for almost commuting systems.

17.
arXiv (CS.CL) 2026-06-12

ChiKhaPo: A Large-Scale Multilingual Benchmark for Evaluating Lexical Comprehension and Generation in Large Language Models

Existing benchmarks for large language models (LLMs) are largely restricted to high- or mid-resource languages, and often evaluate performance on higher-order tasks in reasoning and generation. However, plenty of evidence points to the fact that LLMs lack basic linguistic competence in the vast majority of the world's 3800+ written languages. We introduce ChiKhaPo, consisting of 8 subtasks of varying difficulty designed to evaluate the lexical comprehension and generation abilities of generative models. ChiKhaPo draws on existing lexicons, monolingual data, and bitext, and provides coverage for 2700+ languages for 2 subtasks, surpassing any existing benchmark in terms of language coverage. We further show that 6 SOTA models struggle on our benchmark, and discuss the factors contributing to performance scores, including language family, language resourcedness, task, and comprehension versus generation directions. With ChiKhaPo, we hope to enable and encourage the massively multilingual benchmarking of LLMs.

18.
arXiv (math.PR) 2026-06-11

Second-order PACF asymptotics and discrimination between fractional Gaussian noise and $\operatorname{FARIMA}(0,d,0)$

Authors:

arXiv:2605.31416v2 Announce Type: replace-cross Abstract: Fractional Gaussian noise and $\operatorname{FARIMA}(0,d,0)$ have the same long-memory pole $|\theta|^{-2d}$ and hence the same leading PACF law $\alpha(n)\sim d/n$. We show that this agreement breaks at the first non-universal order. For $0

19.
arXiv (CS.AI) 2026-06-24

A Unified Framework for Runtime Verification and Model-Based Diagnosis in LOLA

arXiv:2606.23720v1 Announce Type: cross Abstract: We present an integrated framework that unifies runtime verification and model-based diagnosis within the stream specification language LOLA. By encoding system descriptions, component health states, and observations into a single stream-based formalism, the approach enables continuous, online fault localization directly alongside fault detection, without requiring separate toolchains. The framework supports both time-invariant and transient faults, and naturally accommodates nondeterministic observations.

20.
arXiv (CS.AI) 2026-06-24

AutoSpec: Safety Rule Evolution for LLM Agents via Inductive Logic Programming

arXiv:2606.24245v1 Announce Type: cross Abstract: Large language model (LLM) agents increasingly automate complex tasks by integrating language models with external tools and environments. However, their autonomy poses significant safety risks: agents may execute destructive commands, leak sensitive data, or violate domain constraints. Existing safety approaches face a fundamental tradeoff: hand-crafted rules are interpretable but brittle, with overly conservative rules blocking safe operations (high false positives) while permissive rules miss unsafe behaviors (high false negatives). Neural classifiers lack the interpretability required for safety-critical deployments. We present AutoSpec, a framework that automatically evolves deployed expert-designed safety rules from user safe/unsafe annotations through counterexample-guided inductive synthesis (CEGIS) guided by inductive logic programming (ILP). Starting from the expert rules and a stream of annotated traces, AutoSpec iteratively evaluates rules, mines false-positive and false-negative counterexamples, uses ILP to learn which predicates discriminate them, generates candidate rule edits, and verifies candidates to select the best revision. The key insight is that ILP efficiently identifies predicates that appear frequently in false negatives but rarely in false positives (or vice versa), dramatically pruning the exponential search space of rule edits. This continues until convergence, producing interpretable rules that balance precision and recall. We evaluate AutoSpec on 291 execution traces spanning code execution and embodied agent domains. AutoSpec raises rule F1 to 0.98 and 0.93 across the two domains, achieving up to 94% false positive reduction while maintaining high recall, and converges within 4-5 iterations. The ILP-guided approach achieves up to 4.8x higher F1 than heuristic CEGIS. The learned rules are human-readable, auditable, and generalize to unseen scenarios.

21.
arXiv (CS.AI) 2026-06-24

Cost-Optimal Decision Diagrams for Stochastic Boolean Function Evaluation

arXiv:2606.24672v1 Announce Type: new Abstract: In many decision-making scenarios, acquiring information incurs different costs. We consider the problem of constructing a deterministic evaluation strategy that minimizes the expected cost of evaluating a propositional formula under variable costs and a probability distribution over truth assignments. We present a branch-and-bound algorithm with variable-selection heuristics, pruning, and caching. To the best of our knowledge, it is the first practical exact algorithm for this level of generality. Experiments on random instances demonstrate scalability and quantify the efficiency-quality trade-off of a greedy beam-search variant. We additionally evaluate a structured heart-disease diagnosis instance. Finally, we prove that the problem is $\#P$-hard and contained in $\mathrm{PSPACE}$.

22.
arXiv (CS.AI) 2026-06-24

SAFARI: Scaling Long Horizon Agentic Fault Attribution via Active Investigation

arXiv:2606.24626v1 Announce Type: new Abstract: As autonomous agents tackle increasingly complex multi-step, multi-agent tasks, their execution trajectories have scaled beyond the constraints of even the largest context windows. Current methods for effectively diagnosing agent failures load the full trajectory into an LLM's context window, which suffers from attention dilution and fails when agentic traces inevitably exceed context limits. To address this, we introduce SAFARI (Scaling long-horizon Agentic Fault AttRibution via active Investigation), a framework that replaces linear context loading with a tool-augmented diagnostic loop. By equipping LLMs with a specialized toolbox to read and search trajectory segments alongside a persistent Short-Term Memory (STM) for cross-turn reasoning, SAFARI effectively decouples diagnostic accuracy from architectural context limits. Our experiments demonstrate that SAFARI outperforms state-of-the-art results by 20% on the Who&When dataset within a 1M token budget, and by 19% on TRAIL GAIA subset on a 25K token budget. Most significantly, SAFARI maintains a 0.58 precision even when the target fault resides 5x beyond the model's native context window, a scenario where traditional evaluators fail entirely.

23.
arXiv (CS.CL) 2026-06-15

Chronological Thinking in Full-Duplex Spoken Dialogue Language Models

Recent advances in spoken dialogue language models (SDLMs) reflect growing interest in shifting from turn-based to full-duplex systems, where the models continuously perceive user speech streams while generating responses. This simultaneous listening and speaking design enables real-time interaction and the agent can handle dynamic conversational behaviors like user barge-in. However, during the listening phase, existing systems keep the agent idle by repeatedly predicting the silence token, which departs from human behavior: we usually engage in lightweight thinking during conversation rather than remaining absent-minded. Inspired by this, we propose Chronological Thinking, an on-the-fly conversational thinking mechanism that aims to improve response quality in full-duplex SDLMs. Specifically, chronological thinking presents a paradigm shift from conventional LLM thinking approaches, such as Chain-of-Thought, purpose-built for streaming acoustic input. (1) Strictly causal: the agent reasons incrementally while listening, updating internal hypotheses only from past audio with no lookahead. (2) No additional latency: reasoning is amortized during the listening window; once the user stops speaking, the agent halts thinking and begins speaking without further delay. Experiments demonstrate the effectiveness of chronological thinking through both objective metrics and human evaluations show consistent improvements in response quality. Furthermore, chronological thinking robustly handles conversational dynamics and attains competitive performance on full-duplex interaction metrics.

25.
arXiv (CS.AI) 2026-06-17

An AI Security Agent for Banking: Multi-Vector Fraud and AML Detection Across Retail and Corporate Accounts

arXiv:2606.17555v1 Announce Type: cross Abstract: Banks simultaneously face signature-based fraud (card-not-present attacks, account takeover, ATM cloning) and behavioural financial crime (structuring, layering, mule networks, business email compromise) – two threat families with fundamentally different detection requirements. Static rule engines that reliably catch brute-force and high-velocity events are structurally blind to business-email-compromise (BEC) payment redirection, session hijacking, and money-laundering layering, which are engineered to appear indistinguishable from legitimate activity at the individual transaction or session level. This paper presents an AI security agent for retail and corporate banking that addresses this gap through a three-component fusion architecture operating on two parallel event streams: a transaction stream (card fraud, ACH/wire fraud, AML categories) and a session stream (account takeover, session hijacking, SIM-swap, insider abuse). Each stream combines an LSTM sequence model capturing per-account behavioural history, a statistical velocity/threshold monitor, and a graph/network module capturing account-counterparty relationship patterns (fan-in, fan-out, pass-through ratio) for money-laundering detection. Experiments on a synthetic event log of 237,669 transactions and 113,508 sessions across 13 threat categories and 3,470 simulated accounts demonstrate overall F1 of 0.787 (transaction stream) and 0.867 (session stream) for the proposed model, versus 0.562/0.733 for a rule-based baseline and 0.655/0.713 for an LSTM-only baseline. The agent includes a customer-facing transaction-verification chatbot (96.6% identity verification accuracy, 86.8% mass-reset attack detection) and an analyst case-summary assistant (99.3% action-recommendation F1), with Critical-tier automated response latency under 0.43 ms at the 95th percentile.