FraudSMSWalker: Benchmarking Agentic Large Language Models for SMS-to-Webpage Fraud Detection

Fraud detection in payment, e-commerce, and telecommunications systems requires accuracy at the individual level, robustness under severe class imbalance, and ease of understanding for risk managers. Existing methods fall at least one of these requirements: automated machine learning systems search a fixed numerical space without semantic awareness of the dataset; graph neural network-based methods require pre-defined relational graphs and remain opaque at the individual-decision level; and the design of general-purpose large language model (LLM) agents does not consider the recall and precision constraints specific to real-world fraud detection. In this paper, we propose SAGE, the first end-to-end LLM-driven multi-agent framework for fraud detection. SAGE coordinates three dedicated agents that make decisions based on a six-layer Data Diagnostic Tree (DDT) and a Markov decision process guided by natural-language gradients, automatically optimizing the model under a fraud-specific reward. On five fraud datasets and five LLM backbones, SAGE wins $96.00\%$ of method--dataset comparisons and improves F1 by an average of $40.86\%$ over baselines. The code is available at https://github.com/yichenC1c/SAGE.

Conversational scams, such as romance and investment scams, are emerging as a major form of online fraud. Unlike one-shot scam lures such as fake lottery or unpaid toll messages, they unfold through multi-turn conversations in which scammers gradually manipulate victims using evolving psychological techniques. However, existing research mainly focuses on static scam detection or synthetic scams, leaving open whether language models can understand how real-world scams progress over time. We introduce PreScam, a benchmark for modeling scam progression from early conversations. Built from user-submitted scam reports, PreScam filters and structures 177,989 raw reports into 11,573 conversational scam instances spanning 20 scam categories. Each instance is hierarchically structured according to the scam lifecycle defined by the proposed scam kill chain, and further annotated at the turn level with scammer psychological actions and victim responses. We benchmark models on two tasks: real-time termination prediction, which estimates whether a conversation is approaching the termination stage, and scammer action prediction, which forecasts the scammer's subsequent actions. Results show a clear gap between surface-level fluency and progression modeling: supervised encoders substantially outperform zero-shot LLMs on real-time termination prediction, while next-action prediction remains only moderately successful even for strong LLMs. Taken together, these results show that current models can capture some scam-related cues, yet still struggle to track how risk escalates and how manipulation unfolds across turns.

As LLM-based agents increasingly browse the web on users' behalf, a natural question arises: can websites passively identify which underlying model powers an agent? Doing so would represent a significant security risk, enabling targeted attacks tailored to known model vulnerabilities. Across 14 frontier LLMs and four web environments spanning information retrieval and shopping tasks, we show that an agent's actions and interaction timings, captured via a passive JavaScript tracker, are sufficient to identify the underlying model with up to 96% F1. We formalise this attack surface by demonstrating that classifiers trained on agent actions generalise across model sizes and families. We further show that strong classifiers can be trained from few interaction traces and that agent identity can be inferred early within an episode. Injecting randomised timing delays between actions substantially degrades classifier performance, but does not provide robust protection: a classifier retrained on delayed traces largely recovers performance. We release our harness and a labelled corpus of agent traces \href{https://github.com/KabakaWilliam/known_actions}{here}.