Inessa Fedorova

Artem Sakhno, Daniil Tomilov, Yuliana Shakhvalieva et al.

Nowadays, success of financial organizations heavily depends on their ability to process digital traces generated by their clients, e.g., transaction histories, gathered from various sources to improve user modeling pipelines. As general-purpose LLMs struggle with time-distributed tabular data, production stacks still depend on specialized tabular and sequence models with limited transferability and need for labeled data. To address this, we introduce FinTRACE, a retrieval-first architecture that converts raw transactions into reusable feature representations, applies rule-based detectors, and stores the resulting signals in a behavioral knowledge base with graded associations to the objectives of downstream tasks. Across public and industrial benchmarks, FinTRACE substantially improves low-supervision transaction analytics, doubling zero-shot MCC on churn prediction performance from 0.19 to 0.38 and improving 16-shot MCC from 0.25 to 0.40. We further use FinTRACE to ground LLMs via instruction tuning on retrieved behavioral patterns, achieving state-of-the-art LLM results on transaction analytics problems.

Inessa Fedorova, Aleksei Musatow

The paraphrase identification task involves measuring semantic similarity between two short sentences. It is a tricky task, and multilingual paraphrase identification is even more challenging. In this work, we train a bi-encoder model in a contrastive manner to detect hard paraphrases across multiple languages. This approach allows us to use model-produced embeddings for various tasks, such as semantic search. We evaluate our model on downstream tasks and also assess embedding space quality. Our performance is comparable to state-of-the-art cross-encoders, with only a minimal relative drop of 7-10% on the chosen dataset, while keeping decent quality of embeddings.