SCAFDS: Edge-Feature Graph Attention for Interbank Fraud Detection with Attribution-Grounded SAR Generation

Computer Science > Cryptography and Security [Submitted on 17 May 2026] SCAFDS: Edge-Feature Graph Attention for Interbank Fraud Detection with Attribution-Grounded SAR Generation Mohammad Nasir Uddin The U.S. financial system processes approximately 1.3 million interbank transactions daily, yet no system in the reviewed literature models fraud propagation across the interbank network using fraud co-occurrence edge features. Prior interbank GNN architectures model credit contagion using credit distress supervision signals, producing systems misaligned for fraud forensics. No existing system generates SAR narratives with per-assertion forensic traceability to specific numerical detection outputs, creating regulatory auditability gaps in FinCEN-submitted reports. This paper introduces SCAFDS (Systemic Contagion-Aware Fraud Detection System), a seven-stage integrated surveillance pipeline addressing five structural limitations of prior art: (1) fraud-specific interbank topology encoding using fraud co-occurrence frequency metrics f(u,v,t) derived from FinCEN SAR registry records; (2) edge-feature-informed graph attention where coefficients are computed from both node representations and fraud co-occurrence edge features; (3) bilinear fraud co-occurrence risk fusion producing institution-level systemic fraud risk scores; (4) attribution-conditioned SAR narrative generation with per-assertion significance thresholds ensuring each FinCEN SAR assertion is traceable to a specific numerical pipeline output; and (5) topology-aware adaptive forensic feedback updating graph attention weights from regulatory dispositions. Experiments on the IEEE-CIS Fraud Detection Dataset (590,540 transactions) and a synthetic FDIC-aligned interbank network (8,103 institutions, 169,800 edges) show SCAFDS achieves AUPRC=0.515+/-0.032 and AUROC=0.802+/-0.018, representing +15.9pp and +13.7pp improvements over GraphSAGE-AML. Partial validation on FDIC enforcement action records (n=4,279) confirms consistent model ranking. USPTO Provisional Patent Application No. 64/061,083, filed May 8, 2026. Subjects: Cryptography and Security (cs.CR); Artificial Intelligence (cs.AI); Machine Learning (cs.LG) ACM classes: I.2.6; I.2.1; K.6.5 Cite as: arXiv:2605.18913 [cs.CR]   (or arXiv:2605.18913v1 [cs.CR] for this version)   https://doi.org/10.48550/arXiv.2605.18913 Focus to learn more Submission history From: Mohammad Nasir Uddin [view email] [v1] Sun, 17 May 2026 21:04:30 UTC (897 KB) Access Paper: view license Current browse context: cs.CR < prev   |   next > new | recent | 2026-05 Change to browse by: cs cs.AI cs.LG References & Citations NASA ADS Google Scholar Semantic Scholar Export BibTeX Citation Bookmark Bibliographic Tools Bibliographic and Citation Tools Bibliographic Explorer Toggle Bibliographic Explorer (What is the Explorer?) Connected Papers Toggle Connected Papers (What is Connected Papers?) Litmaps Toggle Litmaps (What is Litmaps?) scite.ai Toggle scite Smart Citations (What are Smart Citations?) Code, Data, Media Demos Related Papers About arXivLabs Which authors of this paper are endorsers? | Disable MathJax (What is MathJax?)