Papers › Decoupling Decision-Making in Fraud Prevention through Classifier Calibration for...

Decoupling Decision-Making in Fraud Prevention through Classifier Calibration for Business Logic Action

10 Jan 2024arXiv:2401.05240archive 2025-07-28

Emanuele Luzio, Moacir Antonelli Ponti, Christian Ramirez Arevalo, Luis Argerich

Machine learning models typically focus on specific targets like creating classifiers, often based on known population feature distributions in a business context. However, models calculating individual features adapt over time to improve precision, introducing the concept of decoupling: shifting from point evaluation to data distribution. We use calibration strategies as strategy for decoupling machine learning (ML) classifiers from score-based actions within business logic frameworks. To evaluate these strategies, we perform a comparative analysis using a real-world business scenario and multiple ML models. Our findings highlight the trade-offs and performance implications of the approach, offering valuable insights for practitioners seeking to optimize their decoupling efforts. In particular, the Isotonic and Beta calibration methods stand out for scenarios in which there is shift between training and testing data.

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Tasks

Classifier calibrationDecision MakingFraud Detection

Results from the paper archive 2025-07-28

TaskDatasetModelMetricValueRank at snapshotLeaderboardReport
Fraud Detection BAF – Base LightGBM Recall @ 5% FPR 54.3% #7 of 12 Archive leaderboard report
Fraud Detection BAF – Base CatBoost Recall @ 5% FPR 52.4% #8 of 12 Archive leaderboard report
Fraud Detection BAF – Base MLP–NN Recall @ 5% FPR 49.6% #11 of 12 Archive leaderboard report

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