PersonaAgent: Retrieval-Augmented Transaction Anomaly Scoring with Refreshable Multi-Entity Persona Memory

Real-time payment fraud detection is a non-stationary streaming prediction problem: adversaries adapt before supervised labels mature, and localized burst attacks can cause losses before retraining. Production systems typically rely on tabular classifiers and rules, which can struggle to capture these emerging sequential patterns before periodic retraining occurs. We present SR-Fraud, an outcome-supervised reflective LLM framework that decouples request-time decisions from offline adaptation. A frozen, stateless agent scores each transaction from a Hybrid Episodic Window to track behavioral shifts, while an offline reflection agent proposes boundary hypotheses from matured errors. A deterministic verifier then admits only supported hypotheses into an executable knowledge state. On a production payment-fraud benchmark, SR-Fraud improves all detection metrics over its frozen decision agent, obtains higher point estimates than static and periodically retrained CatBoost, and detects an emerging fraud burst.

Benefiting from generalizability of vision-language models (VLMs) such as CLIP, many zero-/few-shot anomaly detection (AD) approaches have achieved impressive detection performance across various datasets. Nevertheless, they require substantial training on large auxiliary datasets to adapt VLMs to anomaly detection, and their inference largely relies on visual-text embedding similarity-based anomaly scores, lacking reasoning abilities to detect complex anomalies that require in-depth contextual understanding. To address this limitation, we propose AnomalyAgent, a novel training-free, agentic framework that leverages the advanced reasoning and generalization capabilities of multimodal large language models (MLLMs) for anomaly detection. The key ingredients include 1) a comprehensive anomaly-centric toolset that enables adaptive MLLM-driven, agentic anomaly reasoning in zero-shot settings, and 2) a customized memory module that grounds anomaly reasoning with few-shot, in-context reference examples. We extend evaluation beyond the detection of simple anomalies (e.g., surface defects like cracks and dents and clear lesions) in widely used benchmarks to more diverse types of anomalies such as logical/contextual anomalies in logistics and manufacturing settings. Extensive experiment results demonstrate that our AnomalyAgent achieves substantially better performance compared to training-free VLM-based AD and generic agentic methods, highlighting its superior generalization capability in both zero-shot and few-shot anomaly detection settings. The code implementation can be find at this address.

Working entirely on topologically anonymized embeddings, we perform fraud detection using iterative rounds of unsupervised filtering followed by supervised sniping. The result is an ultra-low latency privacy--preserving triage that allows institutions to flag suspicious activity without compromising Personally Identifiable Information.