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This research introduces FRAUDSkill, a framework that optimizes external decision protocols for audio-language models without modifying their core weights, addressing the rigidity of existing fine-tuning methods in fraud detection. By decoupling task logic from model parameters, the approach significantly improves adherence to structured decision requirements while maintaining high accuracy on benchmark datasets. This method offers a scalable path for deploying large audio models in regulated environments where output consistency and adaptability are critical.
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FRAUDSkill: Structured Frozen-Weight Skill Optimization for Audio Anti-Fraud Detection

arXiv2 min read

arXiv:2609.18766v1 Announce Type: cross Abstract: Large audio-language models have shown promise for anti-fraud detection by directly processing speech and reasoning over fraud-related evidence. Their deployment, however, requires predictions to follow a predefined label space and a structured decision protocol consisting of service-scenario identification, fraud detection, and conditional fraud-type classification. Existing fine-tuning and prompt-based approaches typically encode task knowledge, constraints, and decision rules into model parameters or manually maintained prompts, making them difficult to adapt as fraud patterns and labeling policies evolve. To this end, we propose FRAUDSkill, a structured frozen-weight adaptation framework that leaves the underlying audio-language model unchanged while optimizing an external layer of skill programs, route-specific policies, and decision rules. We further combine structured output control with validation-guided multi-path inference to ensure protocol-compliant predictions. On the TeleAntiFraud benchmark, FRAUDSkill achieves 73.50% Macro-F1, outperforming the shared frozen-model baseline by 31.96% while reducing invalid outputs to 1.94%. Extensive experiments demonstrate that external skill optimization provides an effective and adaptable solution for structured audio anti-fraud detection without modifying the underlying model. The source code is available at https://anonymous.4open.science/r/FRAUDSKILL-114514.

Abstract:Large audio-language models have shown promise for anti-fraud detection by directly processing speech and reasoning over fraud-related evidence. Their deployment, however, requires predictions to follow a predefined label space and a structured decision protocol consisting of service-scenario identification, fraud detection, and conditional fraud-type classification. Existing fine-tuning and prompt-based approaches typically encode task knowledge, constraints, and decision rules into model parameters or manually maintained prompts, making them difficult to adapt as fraud patterns and labeling policies evolve. To this end, we propose FRAUDSkill, a structured frozen-weight adaptation framework that leaves the underlying audio-language model unchanged while optimizing an external layer of skill programs, route-specific policies, and decision rules. We further combine structured output control with validation-guided multi-path inference to ensure protocol-compliant predictions. On the TeleAntiFraud benchmark, FRAUDSkill achieves 73.50% Macro-F1, outperforming the shared frozen-model baseline by 31.96% while reducing invalid outputs to 1.94%. Extensive experiments demonstrate that external skill optimization provides an effective and adaptable solution for structured audio anti-fraud detection without modifying the underlying model. The source code is available at this https URL.

Sound (cs.SD); Computation and Language (cs.CL)

arXiv:2609.18766 [cs.SD]

(or arXiv:2609.18766v1 [cs.SD] for this version)

https://doi.org/10.48550/arXiv.2609.18766 Focus to learn more arXiv-issued DOI via DataCite (pending registration)

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