随着人工智能（AI）技术的不断发展，金融领域正面临前所未有的欺诈挑战。不法分子利用AI换脸、换声等技术，使欺诈手段更加难以识别。为此，金融机构正在寻求利用AI技术提升风控能力，以应对这些挑战。
新希望金融科技公司AI中心总经理王小东表示，当前金融科技领域在智能风控方面主要面临欺诈手段层出不穷、团伙作案难以发现、AI攻击防范、模型性能瓶颈等挑战。为了应对这些挑战，该公司开发了多模态关系网络，不仅依赖结构化数据，还通过多种维度进行关联，以更准确地识别团伙作案。同时，该公司还开发了AI鉴伪技术，以防范AI攻击。
在应对特别棘手的项目或案例时，王小东和他的团队通过深入研究欺诈行为模式，开发了更为精细化的风控模型，并将非结构化数据中的有效特征进行抽取和转换，以此提高模型的性能。此外，团队还注重模型的可解释性，确保风控措施的透明度和公正性。
8月16-17日，FCon全球金融科技大会将在上海举行，王小东将在大会上分享智能风控领域的挑战和应对策略，并探讨金融大模型应用实践和效益闭环。大会还将聚焦AIGC+营销运营、AIGC+研发等场景，邀请来自银行、证券、保险的专家分享最佳实践。
英语如下：
News Title: “AI New Frontiers: How Financial Guardians Defend Against the Waves of Fraud”
Keywords: AI Risk Control, Fraud Challenge, Financial Innovation
News Content:
As artificial intelligence (AI) technology continues to advance, the financial sector is facing unprecedented fraud challenges. Unscrupulous individuals are using AI face and voice swapping techniques to make fraud more difficult to detect. In response, financial institutions are seeking to use AI technology to enhance their risk control capabilities to address these challenges.
Wang Xiaodong, the General Manager of the AI Center at New Hope FinTech Company, stated that the current financial technology sector is primarily facing challenges in intelligent risk control, including an endless stream of fraud techniques, difficulty in detecting organized crime, AI attack prevention, and performance bottlenecks in models. To address these challenges, the company has developed a multimodal relation network that relies not only on structured data but also on correlations across multiple dimensions to more accurately identify organized crime. Additionally, the company has developed AI anti-counterfeiting technology to prevent AI attacks.
When facing particularly difficult projects or cases, Wang Xiaodong and his team conducted in-depth research into fraud patterns, developed more refined risk control models, and extracted and transformed effective features from unstructured data to improve model performance. Additionally, the team places a strong emphasis on the explainability of the models to ensure the transparency and fairness of risk control measures.
The FCon Global FinTech Conference will be held in Shanghai from August 16 to 17, where Wang Xiaodong will share challenges and strategies for addressing them in the field of intelligent risk control, and discuss the application practices and benefits of financial models. The conference will focus on scenarios such as AIGC+marketing operations and AIGC+research, inviting experts from banks, securities, and insurance to share best practices.
【来源】https://mp.weixin.qq.com/s/T99deTGvwrJpHzwSds2EnA
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