arXiv:2509.19359cs.LGcs.AI2025-09被引 2

用深度学习提升反洗钱系统,降低误报率并发现复杂洗钱网络。

Anti-Money Laundering Systems Using Deep Learning

  • 结合中心性算法与图卷积网络分析金融交易关联
  • 新模型误报率更低,对复杂洗钱模式识别能力更强
  • 适合金融科技、监管机构及风控团队参考

本文研究基于深度学习的反洗钱方法,旨在展示其可作为传统规则驱动系统或常规反洗钱(AML)系统的补充甚至替代。文章强调全球金融行业中反洗钱工作的重要性,并指出传统AML系统存在误报率高、难以识别复杂洗钱模式等缺陷。为此,提出一种融合链接分析与深度学习技术的先进AML系统,核心采用度中心性、接近中心性、介数中心性和PageRank等中心性算法,通过分析金融交易网络中的影响力与关联关系,提升可疑行为识别能力。实验结果表明,基于图卷积网络(GCN)的新模型在连通结构数据上表现更优,能将交易或账户置于其金融环境背景下进行分析,具备更强实用性与优势。文章还探讨了未来方向,建议融合深度学习与中心性算法,以进一步提升反洗钱系统的有效性。

原文摘要 · Abstract (English)

In this paper, we focused on using deep learning methods for detecting money laundering in financial transaction networks, in order to demonstrate that it can be used as a complement or instead of the more commonly used rule-based systems and conventional Anti-Money Laundering (AML) systems. The paper explores the pivotal role played by Anti-Money Laundering (AML) activities in the global financial industry. It underscores the drawbacks of conventional AML systems, which exhibit high rates of false positives and lack the sophistication to uncover intricate money laundering schemes. To tackle these challenges, the paper proposes an advanced AML system that capitalizes on link analysis using deep learning techniques. At the heart of this system lies the utilization of centrality algorithms like Degree Centrality, Closeness Centrality, Betweenness Centrality, and PageRank. These algorithms enhance the system's capability to identify suspicious activities by examining the influence and interconnections within networks of financial transactions. The significance of Anti-Money Laundering (AML) efforts within the global financial sector is discussed in this paper. It highlights the limitations of traditional AML systems. The results showed the practicality and superiority of the new implementation of the GCN model, which is a preferable method for connectively structured data, meaning that a transaction or account is analyzed in the context of its financial environment. In addition, the paper delves into the prospects of Anti-Money Laundering (AML) efforts, proposing the integration of emerging technologies such as deep learning and centrality algorithms. This integration holds promise for enhancing the effectiveness of AML systems by refining their capabilities.

反洗钱深度学习图神经网络金融安全

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