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cs.AI2026
Can Loan Processors and Underwriters Spot AI-Edited Statements? An Empirical Study
Simiao Ren, Xingyu Shen, Tommy Duong +1
AI-assisted editing can produce loan documents that preserve familiar issuer layouts while changing the applicant's identity. We investigated whether experienced underwriters and l…
cs.AI2026
How Firm Are AI Models' Ethical Boundaries? A Pay-Stub Editing Test of 15 Models
Simiao Ren, Xingyu Shen, Tommy Duong +2
Can a small change in wording move an AI model from refusing a sensitive request to acting on it? We test 15 models on the same request to increase the income shown on a pay stub.…
cs.AI2026
Agents That Edit Documents: Measuring Agentic PDF Forgery Against a Non-Agentic Control
Simiao Ren, Ankit Raj, Tommy Duong +6
AI agents that carry a multi-step computer task through on their own became ordinary tools in the past year, and the same autonomy is available to anyone whose task is harmful. We…