3 papers
cs.LG2026
Fraud Type Decomposition and the Observation-Mechanism Taxonomy:Class-Specific Detection Limits in Payment Networks
Gaurav Dhama
Fraud detection in payment networks relies on labels generated through heterogeneous and imperfect observation processes, yet existing approaches treat fraud as a homogeneous binar…
cs.LG2026
The Fundamental Limits of Fraud Detection in Card Payment Networks
Gaurav Dhama
Card payment fraud detection is usually framed as a supervised classification problem. Although this approach has generated practical progress, improvement has remained incremental…
cs.LG2026
Causal Label Recovery in Payment Networks
Gaurav Dhama
Fraud detection models in payment networks train on chargeback labels that are systematically biased. Every label must survive three sequential gates: authorization (declined trans…