Deep Learning-Driven Financial Fraud Detection: An Enterprise Risk Analytics Framework for Real-Time Anomaly Detection and Regulatory Compliance

The high growth rate of digital financial ecosystems has greatly amplified the magnitude, speed, and sophistication of fraudulent transactions that have presented major challenges to the conventional fraud detection systems. The traditional rule-based and statistical models usually have high false positive rates, slow detection, and minimal capability to adjust to changing patterns of fraud. In this study, it is proposed to develop a deep learning-based enterprise risk analytics framework that would allow detecting financial fraud in the real-time and meet the regulatory compliance requirements. The architecture combines sophisticated deep learning models, such as Long Short-Term Memory (LSTM) networks, autoencoders and graph neural networks, with business risk management applications, such as dynamic risk scoring, anomaly detection pipelines, and compliance monitoring layers. The proposed system is tested using the publicly available transactional datasets, like the European card fraud data, on the basis of the most important performance indicators, including accuracy, precision, recall, F1-score, and area under the receiver operating characteristic curve (ROC-AUC). The results show that deep learning models by far exceed traditional machine learning methods by being more accurate in detection and significantly lowering false positives in highly imbalanced datasets. Additionally, explainable AI methods improve model transparency, which can be easily accepted by regulators and audited. The research will add to the body of knowledge by filling in the gap between superior artificial intelligence methods and risk governance models on an enterprise level and provide a flexible and scalable answer to the contemporary financial institutions. The offered framework both enhances the ability to detect fraud and facilitate proactive risk management and compliance in more sophisticated financial settings.

Deep Learning, Financial Fraud Detection, Enterprise Risk Analytics, Anomaly Detection, Regulatory Compliance

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Gazi Mohammad Moinul Haque, Dhiraj Kumar Akula, Yaseen Shareef Mohammed, Asif Syed, & Yeasin Arafat. (2025). Cybersecurity Risk Management in the Age of Digital Transformation: A Systematic Literature Review. The American Journal of Engineering and Technology, 7(8), 126–150. https://doi.org/10.37547/tajet/Volume07Issue08-14

Yaseen Shareef Mohammed, Dhiraj Kumar Akula, Asif Syed, Gazi Mohammad Moinul Haque, & Yeasin Arafat. (2025). The Impact of Artificial Intelligence on Information Systems: Opportunities and Challenges. The American Journalof Engineering and Technology, 7(8), 151–176. https://doi.org/10.37547/tajet/Volume07Issue08-15

Yeasin Arafat, Dhiraj Kumar Akula, Yaseen Shareef Mohammed, Gazi Mohammad Moinul Haque, Mahzabin Binte Rahman, & Asif Syed. (2025). Big Data Analytics in Information Systems Research: Current Landscape and Future Prospects Focus: Data science, cloud platforms, real-time analytics in IS. The American Journal of Engineering and Technology, 7(8), 177–201. https://doi.org/10.37547/tajet/Volume07Issue08-16

Dhiraj Kumar Akula, Yaseen Shareef Mohammed, Asif Syed, Gazi Mohammad Moinul Haque, & Yeasin Arafat. (2025). The Role of Information Systems in Enhancing Strategic Decision Making: A Review and Future Directions. The American Journal of Management and Economics Innovations, 7(8), 80–105. https://doi.org/10.37547/tajmei/Volume07Issue08-07

Dhiraj Kumar Akula, Kazi Sanwarul Azim, Yaseen Shareef Mohammed, Asif Syed, & Gazi Mohammad Moinul Haque. (2025). Enterprise Architecture: Enabler of Organizational Agility and Digital Transformation. The American Journalof Management and Economics Innovations, 7(8), 54–79. https://doi.org/10.37547/tajmei/Volume07Issue08-06

Suresh Shivram Panchal, Iqbal Ansari, Kazi Sanwarul Azim, Kiran Bhujel, & Yogesh Sharad Ahirrao. (2025). Cyber Risk And Business Resilience: A Financial Perspective On IT Security Investment Decisions. The American Journal of Engineering and Technology, 7(09), 23–48.https://doi.org/10.37547/tajet/Volume07Issue09-04

Iqbal Ansari, Kazi Sanwarul Azim, Kiran Bhujel, Suresh Shivram Panchal, & Yogesh Sharad Ahirrao. (2025). Fintech Innovation And IT Infrastructure: Business Implications For Financial Inclusion And Digital Payment Systems. The American Journal of Engineering and Technology, 7(09), 49–73. https://doi.org/10.37547/tajet/Volume07Issue09-05.

Asif Syed, Iqbal Ansari, Kiran Bhujel, Yogesh Sharad Ahirrao, Suresh Shivram Panchal, & Yaseen Shareef Mohammed. (2025). Blockchain Integration In Business Finance: Enhancing Transparency, Efficiency, And Trust In Financial Ecosystems. The American Journal of Engineering and Technology, 7(09), 74–99. https://doi.org/10.37547/tajet/Volume07Issue09-06.

Kiran Bhujel, Iqbal Ansari, Kazi Sanwarul Azim, Suresh Shivram Panchal, & Yogesh Sharad Ahirrao. (2025). Digital Transformation In Corporate Finance: The Strategic Role Of IT In Driving Business Value. The American Journal of Engineering and Technology, 7(09), 100–125. https://doi.org/10.37547/tajet/Volume07Issue09-07.

Yogesh Sharad Ahirrao, Iqbal Ansari, Kazi Sanwarul Azim, Kiran Bhujel, & Suresh Shivram Panchal. (2025). AI-Powered Financial Strategy: Transforming Business Decision-Making Through Predictive Analytics. The American Journal of Engineering and Technology, 7(09), 126–151. https://doi.org/10.37547/tajet/Volume07Issue09-08.

Keya Karabi Roy, Maham Saeed, Mahzabin Binte Rahman, Kami Yangzen Lama, & Mustafa Abdullah Azzawi. (2025). Leveraging artificial intelligence for strategic decision-making in healthcare organizations: a business it perspective. The American Journal of Applied Sciences, 7(8), 74–93. https://doi.org/10.37547/tajas/Volume07Issue08-07

Maham Saeed. (2025). Data-Driven Healthcare: The Role of Business Intelligence Tools in Optimizing Clinical and Operational Performance. The American Journal of Applied Sciences, 7(8), 50–73. https://doi.org/10.37547/tajas/Volume07Issue08-06

Kazi Sanwarul Azim, Maham Saeed, Keya Karabi Roy, & Kami Yangzen Lama. (2025). Digital transformation in hospitals: evaluating the ROI of IT investments in health systems. The American Journal of Applied Sciences, 7(8), 94–116. https://doi.org/10.37547/tajas/Volume07Issue08-08

Kami Yangzen Lama, Maham Saeed, Keya Karabi Roy, & MD Abutaher Dewan. (2025). Cybersecurityac Strategies in Healthcare It Infrastructure: Balancing Innovation and Risk Management. The American Journal of Engineering and Technology, a7(8), 202–225. https://doi.org/10.37547/tajet/Volume07Issue08-17

Maham Saeed, Keya Karabi Roy, Kami Yangzen Lama, Mustafa Abdullah Azzawi, & Yeasin Arafat. (2025). IOTa and Wearable Technology in Patient Monitoring: Business Analyticacs Applications for Real-Time Health Management. The American Journal of Engineering and Technology, 7(8), 226–246. https://doi.org/10.37547/tajet/Volume07Issue08-18

Bhujel, K., Bulbul, S., Rafique, T., Majeed, A. A., & Maryam, D. S. (2024). Economic Inequality And Wealth Distribution. Educational Administration: Theory and Practice, 30(11), 2109–2118. https://doi.org/10.53555/kuey.v30i11.10294

Groenewald, D. E. S., Bhujel, K., Bilal, M. S., Rafique, T., Mahmood, D. S., Ijaz, A., Kantharia, D. F. A., & Groenewald, D. C. A. (2024). Enhancing Organizational performance through competency-based human resource management: A novel approach to performance evaluation. Educational Administration: Theory and Practice, 30(8), 284–290. https://doi.org/10.53555/kuey.v30i8.7250

Azam, M. A., Ansari, I., Haque, G. M. M., & Jahid, A. (2026). Leveraging Health Information Systems and Predictive Analytics to Improve Patient Outcomes: A Data-Driven Approach. The American Journal of Medical Sciences and Pharmaceutical Research, 8(03), 45–70. https://doi.org/10.37547/tajmspr/Volume08Issue03-06

Jahid, A., Haque, G. M. M., Ansari, I., & Azam, M. A. (2026). Sustainable IT Infrastructure and Green Data Analytics: Measuring Environmental Performance in Digital Enterprises. The American Journal of Engineering and Technology, 8(03), 80–106. https://doi.org/10.37547/tajet/Volume08Issue03-06

Haque, G. M. M., Ansari, I., Bhujel, K., Jahid, A., & Azam, M. A. (2026). Digital Transformation Strategies and IT Governance: Aligning Business Value with Technology Investments. The American Journal of Management and Economics Innovations, 8(3), 24–48. https://doi.org/10.37547/tajmei/Volume08Issue03-02

Ansari, I., Bhujel, K., & Khawaja, U. (2026). AI-Driven Predictive Analytics and DecisionOutcomes in Modern Enterprises: Impacts on Decision Quality, Speed, and Operational Performance. The American Journal of Engineering and Technology, 8(01), 145–167. https://doi.org/10.37547/tajet/Volume08Issue01-16