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Static rule engines catch high-velocity events but remain blind to BEC payment redirection, session hijacking, and laundering layering, which are engineered to resemble legitimate activity at the individual level. This paper presents an AI security agent for retail and corporate banking using a three-component fusion architecture across two parallel event streams: transactions (card fraud, ACH/wire fraud, AML) and sessions (account takeover, hijacking, SIM-swap, insider abuse). Each stream combines an LSTM sequence model of per-account behaviour, a statistical velocity/threshold monitor, and a graph module capturing account-counterparty patterns (fan-in, fan-out, pass-t","title":"An AI Security Agent for Banking: Multi-Vector Fraud and AML Detection Across Retail and Corporate Accounts","url":"https://arxiv.org/abs/2606.17555","vendor":"arxiv_cs_ai"},"summary":"arXiv:2606.17555v2 Announce Type: replace-cross \nAbstract: Banks face two threat families with fundamentally different detection requirements: signature-based fraud (card-not-present attacks, account takeover, ATM cloning) and behavioural financial crime (structuring, layering, mule networks, business email compromise). Static rule engines catch high-velocity events but remain blind to BEC payment redirection, session hijacking, and laundering layering, which are engineered to resemble legitimate activity at the individual level. 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Each stream combines an LSTM sequence model of per-account behaviour, a statistical velocity/threshold monitor, and a graph module capturing account-counterparty patterns (fan-in, fan-out, pass-t","title":"An AI Security Agent for Banking: Multi-Vector Fraud and AML Detection Across Retail and Corporate Accounts","vendor":"arxiv_cs_ai"},"confidence":{"method":"deterministic"},"decision":"POSITIVE","issued_at":"2026-06-30T04:43:04Z","notes":"Spider vendor_press (news) news.vendor_press.v1","object":{"captured_by":"crovia.spider.vendor_press","primary_source_url":"https://arxiv.org/abs/2606.17555"},"predecessors":[],"schema":"crovia.axiom.v1","signature":"ed25519:082b7c27a693d7db97aa90ec377ac0c7c46ac69f64007193319adacb8227b27c8aceb3f053dcf84de1fd98ef183e7ce907f361dcab0c874c4e3f36809c57f70f","signer":"crovia.substrate","subject":{"observed_at":"2026-06-30T04:43:04Z","source_collector":"spider:vendor_press","target_id":"https://arxiv.org/abs/2606.17555"},"tsa":{"authority":"crovia.substrate.bootstrap","rfc3161_token":"{\"kind\":\"crovia.bootstrap.tsa\",\"source_jsonl\":\"/opt/crovia/spider/data/news/vendor_press_v1.jsonl\",\"source_seal_merkle_root\":\"spider_vendor_press_v1\",\"upgrade_path\":\"Sessione H \\u2014 OpenTimestamps weekly anchor\"}"},"zk_mode":"clear","zk_proof":null},"ledger":{"leaf_hash":"46f4ae0c59771e95e56e372e6366d493f1ac0d5e09f401df32912aa5c526c576","leaf_index":265237,"ledger_path":"/opt/crovia/substrate/axiom_ledger.jsonl"},"merkle_proof":{"hash_alg":"sha256","leaf_prefix":"0x00","node_prefix":"0x01","odd_leaf_rule":"duplicate_last","path":[{"sibling":"97fac3362c12f73c91778d17de2bb17a2432aa0a72df89c80ae9ce3c017fa9a7","side":"left"},{"sibling":"d44eb267910278fd168b12558bfa56d7c8b0699865df83792ace01dce2f05384","side":"right"},{"sibling":"29caa40f5119335d64a597dfd3ca50191166c4c5e31154c57304ec91886a93b4","side":"left"},{"sibling":"4feddca5b808c46b7f3229716a7670b8e6fcb71cc4b8cccbd8d9cccafac9bc69","side":"right"},{"sibling":"6ef353e6b7056d8c2c01c777cf533698651b30b5f0e2028a344a98ce34d3ca49","side":"left"},{"sibling":"a495e190d223e69b24e0d5ad23a15e735fff86f2c73b282efad1181b007e3623","side":"right"},{"sibling":"ff273c8201c286328de95b4c3f7ad04c9fb005c67fda3de45c54b72f9f5db5b3","side":"right"},{"sibling":"3cde187de7516743e6cd60012ce336384e260530220514cdd49599ef710e14e5","side":"right"},{"sibling":"2da116eff026ee371a88b8eb1a0aeb87679b487f1fbf1623083121809f754234","side":"right"},{"sibling":"eef13ac8a36eb836ad77846f6ef08d9afa4dcc380a64b88c542b57231522db0a","side":"right"},{"sibling":"a2cf20d97c095bc4fa7c4f5bb4f2266dd953e3d733d7e185aa164763491b312c","side":"left"},{"sibling":"f9b4bed84fa6990c71ad2887c91bda183001f05f6b648f21d1273045a26b11fd","side":"left"},{"sibling":"173d2dc4b29ee04ea41d6d0ebc334c4bc2d46e7ee4230c94765413f24fb4bc42","side":"right"},{"sibling":"112461f7c0ec411116fb5c6c90fe95cea9d8f188b9fe08afe25a837ac02d0071","side":"right"},{"sibling":"ea9488204352c49db8f7daf05eefcd7628ecf9413830346674801a99d0654a94","side":"right"},{"sibling":"6261c13b9922cb657f10d1e5d36ec15d8771cf8766e36c61dcbffb7bed57e396","side":"right"},{"sibling":"fa19aa3faf287618b820bcfceebb366152ad521dd20ef9f51e977816663e448b","side":"right"},{"sibling":"c32f943406b62d1fc59b7f7e243492174c8e1caba8c8a2705f86c773315736e0","side":"right"},{"sibling":"1cecb7f447febd025aac272837c80de218aecc6485d2395a509b2a1f1b9c746e","side":"left"}]},"schema":"crovia.axiom_proof.v1","seal":{"first_collector_run_id":"","first_receipt_hash":"","jsonl_path":"/opt/crovia/substrate/axiom_ledger.jsonl","key_id":"430895f101d38164","last_collector_run_id":"","last_receipt_hash":"","leaf_count":265374,"merkle_root":"9636001ecab173cb6af10dc7c71eb14585daa62f9c0a6f027046f05633156891","public_key_hex":"cf742e26f75669dc673cb5c0786a1ae23ae8ca19c347317192ce40c28a7ff25c","run_id":"hourly_json_retrofit_20260630T053701Z","schema":"crovia.seal.v1","seal_family_version":"crovia-seal-family/1","seal_kind":"substrate_batch","sealed_at":"2026-06-30T05:38:03Z","sig_algorithm":"ed25519","signature":"6d4b8fd9b9da856cbb5fba7540877c6a63fa18a5ec3eaf28dc4d6d1c64921c9c0565f8c95f4b7aec0e7744fd7754844f051baf863db708cad768765b416a7b0c","signer_version":"1.1.0"},"trust_root":{"key_id":"430895f101d38164","public_key_hex":"cf742e26f75669dc673cb5c0786a1ae23ae8ca19c347317192ce40c28a7ff25c","signature_algorithm":"ed25519","url":"/registry/canon/TRUST_ROOT.md"},"verifier":{"spec":"/registry/canon/AXIOM_RECEIPT_v1.md","url":"/v/axm_9800755c2f293330a4f47c249213301ab348191b1aadd76b28781e9d8b2263de"}}