A Controlled LLM Workflow for Evidence-Grounded Diagnosis of Risk Score Differences

arXiv cs.AIOctober 20, 2026en

arXiv:2610.23962v1 Announce Type: new Abstract: We propose a controlled Large Language Model (LLM) workflow for explaining risk score differences using similar historical transactions. The workflow combines reference retrieval and contrastive SHapley Additive exPlanations (SHAP) evidence with reference-based LLM reasoning and deterministic validation. Experiments on a test dataset show that the workflow produces more consistent, evidence-grounded and traceable diagnoses than the same LLM without structured workflow guidance.

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