Multi-Rail Dataset Volume
$28.10M
10,000 Settlement Txs (5 Rails)
FinPulse-ML ROC-AUC
0.9854
+0.2140 vs Legacy Static Rules
Precision-Recall AUC (PR-AUC)
0.9142
+0.6185 Lift on Imbalanced Fraud
False Positive Rate Reduction
-88.4%
0.78% FPR vs 6.72% Legacy Rules
Calibration Brier Score
0.0108
Platt-Scaled Meta-Stacker
ROC Curve Comparison (Held-Out Test Split: 2,500 Txs)
Exact Trapezoidal AUC
FinPulse-ML Ensemble
GBDT Classifier
Isolation Forest
Legacy Rule Engine
Precision-Recall Curve (5.4% Fraud Base Rate)
Average Precision (AP)
FinPulse-ML Ensemble
GBDT Classifier
Isolation Forest
Legacy Rule Engine
Multi-Rail Settlement Cohort Telemetry (Test Split)
Cross-Rail Generalization
| Payment Rail | Tx Count | Volume (USD) | Fraud Rate | FinPulse Recall | FinPulse FPR | Legacy Rule FPR |
|---|
Recall by Coordinated Attack Typology
FinPulse vs Static Rules
Comprehensive Model Benchmark Matrix (2,500 Held-Out Test Txs)
Chronological Split
| Model Architecture | ROC-AUC | PR-AUC | Max F1 | Prec @ 90% Rec | FPR @ Opt F1 | Brier Score |
|---|
Ensemble Confusion Matrix & Operational Impact
Global Feature Importance (GBDT Split Gain + Permutation AUC Drop)
11 Engineered Features
Sampled Benchmark Decisions: High-Risk Fraud Caught vs High-Value Legitimate Approved
Explainable AI Audit Trail
| Tx ID | Payment Rail | Corridor | Amount (USD) | Ground Truth Typology | Legacy Rule Score | FinPulse-ML Prob | Primary Attribution Driver |
|---|
Real-Time Transaction Risk & Local SHAP Attribution Simulator
Sub-2ms Inference Engine
Transaction Amount (USD)$2,940
Rolling 1h Velocity Z-Score2.45 σ
Rolling 24h Velocity Z-Score3.15 σ
Counterparty PageRank Fan-In Burst0.72
Benford First-Digit KL Divergence0.64
AML Structuring Proximity ($3k/$10k)0.91
Merchant Category (MCC) Entropy1.35 bits
Cross-Border Corridor Risk0.42
Payment Settlement RailUSDC_Solana
Device Fingerprint / ASN Geo-MismatchNo (0)
FinPulse-ML Ensemble Probability
94.8%
BLOCK — SMURFING RING DETECTED
Legacy Static Rule Score
28.0%
MISSED BY STATIC $5K RULE
Local SHAP-Style Marginal Log-Odds Feature Attributions
Real-Time Waterfall