FraudBench: Stress-Testing Policy-Grounded Banking Agents Against Adaptive Fraud

arXiv cs.AIAugust 20, 2026en

arXiv:2608.18136v1 Announce Type: new Abstract: Conversational agents now act for end users through tools while holding access to customer databases and internal policy documents that a caller can reach through dialogue alone. Banking is the clearest case: the same agent that answers a question can also change contact details, reset a PIN, or move money, so ordinary customer service is inseparable from authorization, fraud detection, and policy compliance. Existing financial-fraud benchmarks classify static transactions or messages, and general agent-safety benchmarks target prompt injection or generic harmful use; none test whether a policy-grounded banking agent safely acts when a caller m

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