An AI Security Agent for Banking: Multi-Vector Fraud and AML Detection Across Retail and Corporate Accounts

Banks simultaneously face signature-based fraud (card-not-present attacks, account takeover, ATM cloning) and behavioural financial crime (structuring, layering, mule networks, business email compromise) -- two threat families with fundamentally different detection requirements. Static rule engines that reliably catch brute-force and high-velocity events are structurally blind to business-email-compromise (BEC) payment redirection, session hijacking, and money-laundering layering, which are engineered to appear indistinguishable from legitimate activity at the individual transaction or session level. This paper presents an AI security agent for retail and corporate banking that addresses this gap through a three-component fusion architecture operating on two parallel event streams: a transaction stream (card fraud, ACH/wire fraud, AML categories) and a session stream (account takeover, session hijacking, SIM-swap, insider abuse). Each stream combines an LSTM sequence model capturing per-account behavioural history, a statistical velocity/threshold monitor, and a graph/network module capturing account-counterparty relationship patterns (fan-in, fan-out, pass-through ratio) for money-laundering detection. Experiments on a synthetic event log of 237,669 transactions and 113,508 sessions across 13 threat categories and 3,470 simulated accounts demonstrate overall F1 of 0.787 (transaction stream) and 0.867 (session stream) for the proposed model, versus 0.562/0.733 for a rule-based baseline and 0.655/0.713 for an LSTM-only baseline. The agent includes a customer-facing transaction-verification chatbot (96.6% identity verification accuracy, 86.8% mass-reset attack detection) and an analyst case-summary assistant (99.3% action-recommendation F1), with Critical-tier automated response latency under 0.43 ms at the 95th percentile.

An AI Security Agent for University ACMIS: Multi-Vector Threat Detection and Automated Response

University Academic Management Information Systems (ACMIS) are high-value targets for a wide spectrum of security threats including brute-force login attacks, payment fraud, privilege escalation, insider data theft, and academic integrity violations. Traditional rule-based intrusion detection systems are inadequate because many malicious activities are structurally indistinguishable from normal operations. This paper presents an AI-based security agent for ACMIS that combines supervised anomaly detection, behavioural analytics, and a natural language processing chatbot for secure password recovery. The agent monitors five operational layers: authentication, authorisation, financial transactions, user behaviour, and system health, and responds through a four-tier risk escalation framework. A modular architecture allows the core engine to be extended to other institutional systems. Experiments on a simulated ACMIS event log dataset demonstrate a threat detection macro-average F1 of 0.91, compared to 0.49 for a rule-based baseline, with critical-tier automated response latency under 300 ms at the 95th percentile.

Integrating Attendance Tracking and Emotion Detection for Enhanced Student Engagement in Smart Classrooms

The increasing adoption of smart classroom technologies in higher education has mainly focused on automating attendance, with limited attention given to students' emotional and cognitive engagement during lectures. This limits instructors' ability to identify disengagement and adapt teaching strategies in real time. This paper presents SCASED (Smart Classroom Attendance System with Emotion Detection), an IoT-based system that integrates automated attendance tracking with facial emotion recognition to support classroom engagement monitoring. The system uses a Raspberry Pi camera and OpenCV for face detection, and a finetuned MobileNetV2 model to classify four learning-related emotional states: engagement, boredom, confusion, and frustration. A session-based mechanism is implemented to manage attendance and emotion monitoring by recording attendance once per session and performing continuous emotion analysis thereafter. Attendance and emotion data are visualized through a cloud-based dashboard to provide instructors with insights into classroom dynamics. Experimental evaluation using the DAiSEE dataset achieved an emotion classification accuracy of 89.5%. The results show that integrating attendance data with emotion analytics can provide instructors with additional insight into classroom dynamics and support more responsive teaching practices.