AI RESEARCH
Shapley Value-Guided Adaptive Ensemble Learning for Explainable Financial Fraud Detection with U.S. Regulatory Compliance Validation
arXiv CS.AI
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ArXi:2604.14231v1 Announce Type: cross Financial crime costs U. S. institutions over $32B each year. Although AI tools for fraud detection have become advanced, their use in real-world systems still faces a major obstacle: many of these models operate as black boxes that cannot provide the transparent, auditable explanations required by regulations such as OCC Bulletin 2011-12 and Federal Reserve SR 11-7. This study makes three main contributions.