Dual-Scale Relational Graph Transformers for Ecosystem-Aware Fraud Detection

Excerpt

arXiv:2610.04138v1 Announce Type: cross Abstract: Account takeover (ATO) fraud is a growing threat to digital banking, requiring effective detection while minimizing friction for legitimate customers. Production systems predominantly rely on tabular models that score sessions in isolation, discarding the relational structure of the underlying interaction network. Although graph-based models exploit relationships among sessions and network entities, they primarily reason over local neighborhoods