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금융 범죄 분석을 위한 적대적 강인성 다중 그래프 신경망으로의 전환

arXiv:2610.31718v1 발표 유형: 신규 초록: 금융 거래 네트워크는 자연스럽게 다중그래프로 표현되며, 동일한 계좌 쌍 간의 반복된 거래는 서로 다른 엣지로 모델링된다. 최근 제안된 다중그래프 신경망 아키텍처들은 이러한 구조를 명시적으로 활용하여 자금세탁방지(AML) 작업에서 뛰어난 성능을 달성한다. 그러나 탐지를 회피하기 위해 거래 구조를 조작하는 적대적 공격에 대한 이들의 내구성은 아직 거의 연구되지 않았다. 우리는 노드-엣지 인시던스 행렬을 이용한 다중그래프 신경망의 구조적 공격 및 적대적 학습을 위한 최초의 확장 가능한 프레임워크를 제시하며, 이러한 다중그래프 위에서 구조적 변동을 최적화하기 위해 투영된 경사하강법과 투영된 무작위 블록 좌표 하강법을 적용한다.

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Abstract:Financial transaction networks are naturally represented as multigraphs, where repeated transactions between the same pair of accounts are modeled as distinct edges. Recently proposed multigraph neural network architectures leverage this structure explicitly to achieve a strong performance on anti-money laundering (AML) tasks. However, their robustness to adversaries that manipulate transaction structures to evade detection remains largely unexplored. We present the first scalable framework for structural attacks and adversarial training of multigraph neural networks using node-edge incidence matrices, adapting projected gradient descent and projected randomized block coordinate descent methods to optimize structural perturbations over such matrices. We further introduce a cycle-based regularizer that penalizes changes in the global counts of directed 2- and 3-cycles, providing a structural measure of attack plausibility. Experiments on synthetic pattern-detection and realistic AML datasets show that our learned attacks substantially outperform non-learnable perturbation baselines in reducing detection performance (PR-AUC), while adversarial training consistently improves robustness against these attacks. These results demonstrate that multigraph neural networks are vulnerable to learned structural attacks and that adversarial training provides an effective defense. Our code is available at this https URL.

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arXiv cs.LG
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