Open-source SQL and AI-based models for financial risk detection, fraud analytics, and regulatory compliance.
This repository curates a collection of practical, modular, and ready-to-use models for identifying financial risks across domains like:
- ✅ Fraudulent lending behavior
- ✅ Anti-money laundering (AML)
- ✅ Credit risk concentration
- ✅ Transaction network anomalies
- ✅ Graph-based customer relationship risk
Each model includes:
- Well-documented SQL logic or algorithm
- A sample use case or detection scenario
- Parameters you can adjust
- English markdown explanation (and optionally citations)
| Date | Model Title | Description |
|---|---|---|
| 2025-07-29 | Multiple Second-Hand-Mortgage Payouts to the Same Payee | Flags suspicious clusters where many borrowers share the same recipient account — a red flag for organised fraud. |
| 2025-09-05 | Personal Loans — Concentrated Proceeds to a Single Counterparty (Branch-Level) | Detects cases where multiple personal loans are funneled into the same counterparty account within the same branch — useful for spotting fund-pooling, straw-buyer rings, or collusion. |
| 2025-09-06 | Employee Self-Involvement in Own Loan Workflow | Flags loans where employees act on their own loan workflows — conflict-of-interest risk |
| 2025-09-07 | Personal Business Loan — First-Year Delinquency After Origination | Flags personal business loans that become delinquent within the first year — key KPI for underwriting and channel risk. |
| 2025-09-11 | Personal Loan — Quarter-End Origination & Early Next-Quarter Payoff | Flags quarter-end loans that are quickly repaid at the start of the next quarter — potential “window dressing” risk. |
| 2025-09-17 | Mortgage — Large Card Installment in the 90 Days Pre-Disbursement | Flags borrowers with sizable card-installments shortly before interest start — a signal of hidden liabilities or cash-flow stress. |
| 2025-09-26 | Personal Loans — Overdue Post-Loan Task Backlog | Flags branches/officers with sustained backlogs of overdue post-loan tasks (weak controls, higher future risk). |
| (New models added daily. See commit history or Releases for changelog.) |
Clone or download individual model folders. Each one includes:
.sql(or.ipynb) — the core logicREADME.md— usage and explanation
If you find these useful, please ⭐️ the repo or cite it in your work.
This project is licensed under the Apache 2.0 License — feel free to adapt and reuse with attribution.
Maintained by @ZhangLixin0714
I work at the intersection of risk modeling, regulatory tech, and AI for finance, and share these models in support of community growth and my NIW petition. Feedback and contributions are welcome!