Maohao Ran
Publications
Reinforcement Learning of Large Language Models for Interpretable Credit Card Fraud Detection
E-commerce platforms and payment solution providers face increasingly sophisticated fraud schemes, ranging from identity theft and account takeovers to complex money laundering operations that exploit the speed and anonymity of digital transactions. However, despite their theoretical promise, the application of Large Language Models (LLMs) to fraud detection in real-world financial contexts remains largely unexploited, and their practical effectiveness in handling domain-specific e-commerce transaction data has yet to be empirically validated. To bridge this gap between conventional machine learning limitations and the untapped potential of LLMs in fraud detection, this paper proposes a novel approach that employs Reinforcement Learning (RL) to post-train lightweight language models specifically for fraud detection tasks using only raw transaction data. We utilize the Group Sequence Policy Optimization (GSPO) algorithm combined with a rule-based reward system to fine-tune language models of various sizes on a real-life transaction dataset provided by a Chinese global payment solution company. Through this reinforcement learning framework, the language models are encouraged to explore diverse trust and risk signals embedded within the textual transaction data, including patterns in customer information, shipping details, product descriptions, and order history. Our experimental results demonstrate the effectiveness of this approach, with post-trained language models achieving substantial F1-score improvements on held-out test data. Our findings demonstrate that the observed performance improvements are primarily attributable to the exploration mechanism inherent in reinforcement learning, which allows models to discover novel fraud indicators beyond those captured by traditional engineered features.
Crisis-Bench: Benchmarking Strategic Ambiguity and Reputation Management in Large Language Models
Standard safety alignment optimizes Large Language Models (LLMs) for universal helpfulness and honesty, effectively instilling a rigid "Boy Scout" morality. While robust for general-purpose assistants, this one-size-fits-all ethical framework imposes a "transparency tax" on professional domains requiring strategic ambiguity and information withholding, such as public relations, negotiation, and crisis management. To measure this gap between general safety and professional utility, we introduce Crisis-Bench, a multi-agent Partially Observable Markov Decision Process (POMDP) that evaluates LLMs in high-stakes corporate crises. Spanning 80 diverse storylines across 8 industries, Crisis-Bench tasks an LLM-based Public Relations (PR) Agent with navigating a dynamic 7-day corporate crisis simulation while managing strictly separated Private and Public narrative states to enforce rigorous information asymmetry. Unlike traditional benchmarks that rely on static ground truths, we introduce the Adjudicator-Market Loop: a novel evaluation metric where public sentiment is adjudicated and translated into a simulated stock price, creating a realistic economic incentive structure. Our results expose a critical dichotomy: while some models capitulate to ethical concerns, others demonstrate the capacity for Machiavellian, legitimate strategic withholding in order to stabilize the simulated stock price. Crisis-Bench provides the first quantitative framework for assessing "Reputation Management" capabilities, arguing for a shift from rigid moral absolutism to context-aware professional alignment.
CaveAgent: Transforming LLMs into Stateful Runtime Operators
LLM-based agents are increasingly capable of complex task execution, yet current agentic systems remain constrained by text-centric paradigms that struggle with long-horizon tasks due to fragile multi-turn dependencies and context drift. We present CaveAgent, a framework that shifts tool use from ``LLM-as-Text-Generator'' to ``LLM-as-Runtime-Operator.'' CaveAgent introduces a dual-stream architecture that inverts the conventional paradigm: rather than treating the LLM's text context as the primary workspace with tools as auxiliary, CaveAgent elevates the persistent Python runtime as the central locus of state, with a lightweight semantic stream serving as its orchestrator. Beyond leveraging code generation to resolve interdependent sub-tasks (e.g., loops, conditionals) in a single step, CaveAgent introduces \textit{Stateful Runtime Management}: it injects, manipulates, and retrieves complex Python objects (e.g., DataFrames, database connections) that persist across turns, unlike existing code-based approaches that remain text-bound. CaveAgent further provides a runtime-integrated skill management system that extends the Agent Skills open standard, enabling ecosystem interoperability through executable skill injections. This persistence mechanism serves as a high-fidelity external memory that reduces context drift in multi-turn interactions and preserves processed data for downstream applications without information loss. Evaluations show consistent improvement across challenging benchmarks, enabling CaveAgent to handle data scales that cause context overflow in both JSON-based and code-based agents. The accessible runtime state further provides programmatically verifiable feedback, enabling automated evaluation and reward signal generation without human annotation and establishing a structural foundation for future research in Reinforcement Learning with Verifiable Rewards (RLVR).