fraudsentinel-qwen3-14b-lora

Capabilities

The model is trained to act as an enterprise fraud and AML investigation assistant across six task types:

• Structured JSON risk scoring — calibrated risk score (0.0–1.0), risk level (LOW / MEDIUM / HIGH / CRITICAL), typology, key signals, feature importance, recommended action, and SAR rationale
• Explainable alerts — evidence-grounded investigator-facing natural language explanations tied to actual transaction features
• Typology classification — primary and secondary fraud/laundering pattern identification (card-not-present, account takeover, fan-out, gather-scatter, structuring, etc.)
• 6-level recommended action — AUTO_APPROVE → APPROVE_WITH_MONITORING → STEP_UP_AUTH → TEMPORARY_HOLD → AUTO_BLOCK → SAR_REVIEW
• SAR drafting — FinCEN-aligned Suspicious Activity Report narrative generation for human review and filing
• Multi-turn HITL dialogue — investigator follow-ups ("Why this risk level?", "What else should I check?", "Customer confirmed legit — what next?")
• Deep Analysis mode — optional Chain-of-Thought reasoning via Qwen3's thinking tokens for complex multi-account cases

---

Training Details

---

Usage

Load with Unsloth (recommended)

python
Copy code
from unsloth import FastLanguageModel
import torch

model, tokenizer = FastLanguageModel.from_pretrained(
    model_name = "naazimsnh02/fraudsentinel-qwen3-14b-lora",
    max_seq_length = 4096,
    dtype = torch.bfloat16,
    load_in_4bit = False,
)
FastLanguageModel.for_inference(model)

Load with PEFT + Transformers

python
Copy code
from transformers import AutoModelForCausalLM, AutoTokenizer
from peft import PeftModel
import torch

base = AutoModelForCausalLM.from_pretrained(
    "Qwen/Qwen3-14B",
    torch_dtype=torch.bfloat16,
    device_map="auto",
)
model = PeftModel.from_pretrained(base, "naazimsnh02/fraudsentinel-qwen3-14b-lora")
tokenizer = AutoTokenizer.from_pretrained("naazimsnh02/fraudsentinel-qwen3-14b-lora")

Inference Example

python
Copy code
messages = [
    {"role": "system", "content": "You are FraudSentinel, an expert fraud detection and AML investigation assistant."},
    {"role": "user", "content": (
        "Analyze this card transaction and return a structured JSON risk assessment.\n\n"
        "Transaction: amount=$828.62, category=misc_net, hour=2, "
        "amount_vs_category_p95=2.16x, tx_24h=4, geo_km=1847, is_fraud=True"
    )},
]

# Thinking mode OFF (fast mode — default for Tier-2 triage)
text = tokenizer.apply_chat_template(
    messages,
    tokenize=False,
    add_generation_prompt=True,
    enable_thinking=False,
)
inputs = tokenizer(text, return_tensors="pt").to(model.device)

with torch.no_grad():
    output = model.generate(
        **inputs,
        max_new_tokens=512,
        temperature=0.1,
        do_sample=True,
    )
print(tokenizer.decode(output[0][inputs["input_ids"].shape[1]:], skip_special_tokens=True))

Deep Analysis mode (Chain-of-Thought for complex cases):

python
Copy code
text = tokenizer.apply_chat_template(
    messages,
    tokenize=False,
    add_generation_prompt=True,
    enable_thinking=True,   # activates Qwen3 thinking tokens
)

---

Output Schema (Structured Task)

json
Copy code
{
  "risk_score": 0.84,
  "risk_level": "HIGH",
  "conclusion": "FRAUDULENT",
  "primary_typology": "card-not-present account takeover / stolen-card online cash-out",
  "secondary_typology": "account_takeover",
  "key_signals": [
    "amount_exceeds_category_p95",
    "high_risk_merchant_category",
    "unusual_hour_activity"
  ],
  "explanation": "Transaction amount $828.62 exceeds the 95th-percentile for misc_net purchases...",
  "feature_importance": {
    "amount_exceeds_category_p95": 0.46,
    "high_risk_merchant_category": 0.28,
    "unusual_hour_activity": 0.26
  },
  "recommended_action": "AUTO_BLOCK",
  "sar_required": false,
  "sar_rationale": null
}

---

Limitations

• Prototype/research use. Source data is synthetic/semi-synthetic. Do not use for real customer adjudication without independent validation, bias review, and human-in-the-loop controls.
• AI-generated SAR drafts require human review and edit before filing.
• The model was trained with thinking mode OFF (enable_thinking=False). Enabling thinking mode at inference activates Qwen3's CoT capabilities but adds latency (3–5 s per response).
• Feature importance values are deterministic heuristics from the training data generation pipeline, not SHAP or model-derived importances.

---

License

Apache-2.0 (base model and adapter).