In the field of financial anti fraud driven by artificial intelligence, multi model fusion risk control technology has become the core solution to deal with complex fraud patterns. With the rapid expansion of Internet finance, credit risk and fraud behavior are characterized by dynamic evolution. Because traditional risk control systems rely on a single model or static rules, it is difficult to capture cross dimensional correlation characteristics and group fraud patterns. To overcome this limitation, this study constructed an intelligent risk control framework based on multi model fusion, which integrates statistical models, ensemble learning algorithms, and deep neural networks, and combines convolutional neural networks to achieve deep feature extraction. Experiments have shown that using a blending layered architecture and a weighted combination model based on Optuna optimization can significantly improve classification metrics, with the blending model performing outstandingly in cross dimensional feature interaction modeling. Further analysis reveals that CNN can still capture higher-order nonlinear relationships in the structured data scene through the optimization design of pooling layer, which can improve key indicators compared with a single model; After introducing attention mechanism, the sensitivity of the model to abnormal trading patterns increased by 15%. The study also quantitatively verified the global and individualized impact mechanisms of core risk factors such as loan term, credit rating, and account verification status through the SHAP framework and LIME local interpretation tool, and developed a probability score mapping module for the business side to assist decision-making. Although the design of feature extractors has not yet covered complex structures such as sparse autoencoders, the multi model collaborative framework has validated its practical value in dynamic fraud pattern recognition. This study constructed an adaptive intelligent risk control system through multi model fusion and deep feature engineering optimization, significantly improving cross scenario fraud detection performance. In the future, further exploration is needed on cross regional data compatibility, heterogeneous feature extractor combination strategies, and lightweight deployment schemes to promote the evolution of risk control technology towards full process automation.

Fangting Gong. Research on Multi Model Fusion Risk Control Technology for Financial Anti Fraud Driven by Artificial Intelligence. Socio-Economic Statistics Research (2025), Vol. 6, Issue 1: 117-126. https://doi.org/10.38007/SESR.2025.060112.

[1] Liu Y. The Latest Application and Security Analysis of Cryptography in Cloud Storage Data Audit[J]. Procedia Computer Science, 2025, 259: 984-990.

[2] Fu Y. Research on Financial Time Series Prediction Model Based on Multifractal Trend Cross Correlation Removal and Deep Learning[J]. Procedia Computer Science, 2025, 261: 217-226.

[3] Xu H. Optimization and Allocation Model of Idle Resources in Shared Supply Chain Based on Differential Game Theory and Optimal Control Theory[J]. Procedia Computer Science, 2025, 261: 167-175.

[4] Li, J. (2025). Research On Optimization Model of High Availability and Flexibility of Blockchain System Based on Microservice Architecture. Procedia Computer Science, 261, 207-216.

[5] Hongjun Wu, Research on Malicious Code Detection Technology for Binary and WASM Bytecode Files in Web3.0 Distributed Applications, International Journal of Big Data Intelligent Technology, 2025, 6(1), 92-100

[6] Ding J. Exploration of Process Improvement in Automotive Manufacturing Based on Intelligent Production[J]. International Journal of Engineering Advances, 2025, 2(2): 17-23.

[7] Jing X. Real-Time Risk Assessment and Market Response Mechanism Driven by Financial Technology[J]. Economics and Management Innovation, 2025, 2(3): 14-20.

[8] Hanyue Xu.(2024).Research and Practical Analysis on the Improvement Methods of Supply Chain Finance for Small and Medium-Sized Enterprises Based on Blockchain Technology.Financial Engineering and Risk Management,7(3),118-123.

[9] Yang, D., & Liu, X. (2025). Research on Large-Scale Data Processing and Dynamic Content Optimization Algorithm Based On Reinforcement Learning. Procedia Computer Science, 261, 458-466.

[10] Jun Ye, Design of a Non-Invasive Brain Computer Interface System for Handwritten Text Based on L2 Regularization and Attention Supervision Paradigm, and Optimization of EEG Signal Decoding, International Journal of Big Data Intelligent Technology, 2025, 6(1),126-134

[11] Wang Y. Design and Implementation of a General Data Collection System Architecture Based on Relational Database Technology[C]//The International Conference on Cyber Security Intelligence and Analytics. Cham: Springer Nature Switzerland, 2024: 561-572.

[12] Lu, Chuying. "Design of a 3D Reconstruction System for Immovable Cultural Relics Based on Multi View Stereo Matching and Nerf Fusion." 2025, 6(1),36-43

[13] Chen J. Design and Implementation of a Personalized Recommendation System Based on Deep Learning Distributed Collaborative Filtering Algorithm on Social Media Platforms[C]//2025 3rd International Conference on Integrated Circuits and Communication Systems (ICICACS). IEEE, 2025: 1-5.

[14] Xu Q. Architecture Design and Performance Analysis of Mobile Instant Chat System based on Asynchronous Communication Model[C]//2025 3rd International Conference on Integrated Circuits and Communication Systems (ICICACS). IEEE, 2025: 1-7.

[15] Liu B. Data Analysis and Model Construction for Crew Fatigue Monitoring Based on Machine Learning Algorithms[J]. optimization, 2024, 8(5): 48-52.

[16] Zhao, Yunpeng "Research on Interpretable Machine Learning Models for Identifying Corporate Bond Default Risk."Population, Resources & Environmental Economics (2025), 6(1): 38-45

[17] Ye J. Challenges and Future Development of Neural Signal Decoding and Brain-Computer Interface Technology[J]. Journal of Medicine and Life Sciences, 2025, 1(3): 54-60.

[18] Fan, Yijiao "Optimization Strategy and Implementation Effect Analysis of Unstructured Data Audit for Internal Audit of Commercial Banks in the Big Data Environment."Accounting, Auditing and Finance (2024), 5(3): 7-12

[19] Hao L. Test Scenario Design and Optimization of Automated Driving Lane Keeping System Based On PCA and Intelligent Algorithm[J]. Procedia Computer Science, 2025, 261: 237-246.

[20] Xiu, Le. “Integration Innovation of Big Data Analysis and Artificial Intelligence in the Field of Education.” International Journal of Social Sciences and Public Administration (2024): 5(2),175-182

[21] Fan Y. Financial Volatility Prediction Model Based On Denoising Autoencoder and Unstable Attention Mechanism[J]. Procedia Computer Science, 2025, 261: 45-52.

[22] Sheng, Cheng. "Research on the Construction of a Regulatory Framework for Financial Holding Companies from the Perspective of Accounting and Financial Management." (2025). International Journal of Social Sciences and Economic Management, 6(1), 143-156

[23] Liu Z. Research on the Application of Signal Integration Model in Real-Time Response to Social Events[J]. Journal of Computer, Signal, and System Research, 2025, 2(2): 102-106.

[24] Yan J. Research on the Application of Spark Technology in Natural Resource Data Management[J]. Journal of Computer, Signal, and System Research, 2025, 2(3): 45-51.

[25] Guo, Xingwen. “The Impact of Financial System Reform on the Investment and Financing Behavior of Enterprises.” Frontiers in Business, Economics and Management (2024): 17(13),279-282.

[26] Chen, H., Yang, Y., & Shao, C. (2021). Multi-task learning for data-efficient spatiotemporal modeling of tool surface progression in ultrasonic metal welding. Journal of Manufacturing Systems, 58, 306-315.

[27] Cao, Y., Cao, P., Chen, H., Kochendorfer, K. M., Trotter, A. B., Galanter, W. L., ... & Iyer, R. K. (2022). Predicting ICU admissions for hospitalized COVID-19 patients with a factor graph-based model. In Multimodal AI in healthcare: A paradigm shift in health intelligence (pp. 245-256). Cham: Springer International Publishing.

[28] Gu Y. Research on Design Principles and Maintainability of High-Performance Web Applications[J]. Journal of Computer, Signal, and System Research, 2025, 2(4): 57-62.

[29] An C. Application and Optimization of Data Analysis in Investment Risk Assessment[J]. Economics and Management Innovation, 2025, 2(3): 28-33.

[30] Shanshan Feng, Ke Ma, Gongpin Cheng, Risk Evolution along the Oil and Gas Industry Chain: Insights from Text Mining Analysis, Finance Research Letters, 2025, 106813, ISSN 1544-6123

[31] Fan, Sunjia, et al. "Defense methods against multi-language and multi-intent LLM attacks." International Conference on Algorithms, High Performance Computing, and Artificial Intelligence (AHPCAI 2024). Vol. 13403. SPIE, 2024.  

[32] Tan, Weiyan, Shujia Wu, and Ke Ma. "Freight Volume Prediction for Logistics Sorting Centers Using an Integrated GCN-BiLSTM-Transformer Model." Advances in Computer and Engineering Technology Research 1.4 (2024): 320-324

[33] Xiang, Y., Li, J., & Ma, K. (2024, October). Stock Price Prediction with Bert-BiLSTM Fusion Model in Bimodal Mode. In Proceeding of the 2024 5th International Conference on Computer Science and Management Technology (pp. 1219-1223).

[34] Chen, H., Zuo, J., Zhu, Y., Kabir, M. R., & Han, A. (2024). Generalizable Deep Learning for Pulse-echo Speed of Sound Imaging via Time-shift Maps. In 2024 IEEE Ultrasonics, Ferroelectrics, and Frequency Control Joint Symposium (UFFC-JS) (pp. 1-4). IEEE.

[35]  Varatharajah, Y., Chen, H., Trotter, A., & Iyer, R. K. (2020). A Dynamic Human-in-the-loop Recommender System for Evidence-based Clinical Staging of COVID-19. In HealthRecSys@ RecSys (pp. 21-22).

[36] Ding M. Quantitative Analysis of the Quantitative Impact of Optimizing User Engagement through Content Design[J]. Journal of Media, Journalism & Communication Studies, 2025, 1(1): 36-41.

[37] Xu Y. Research on Computer Information Network Security Technology and Development Direction[J]. Journal of Computing and Electronic Information Management, 2025, 16(2): 21-24.

[38] Chen, H., Zuo, J., Zhu, Y., Kabir, M. R., & Han, A. (2024). Polar-Space Frequency-Domain Filtering for Improved Pulse-echo Speed of Sound Imaging with Convex Probes. In 2024 IEEE Ultrasonics, Ferroelectrics, and Frequency Control Joint Symposium (UFFC-JS) (pp. 1-4). IEEE.

[39] Chen, H., Zhu, Y., Zuo, J., Kabir, M. R., & Han, A. (2024). TranSpeed: Transformer-based Generative Adversarial Network for Speed-of-sound Reconstruction in Pulse-echo Mode. In 2024 IEEE Ultrasonics, Ferroelectrics, and Frequency Control Joint Symposium (UFFC-JS) (pp. 1-4). IEEE.

[40] Zou Y. Design and Implementation of Computer Network Security Monitoring System[J]. Journal of Computer, Signal, and System Research, 2025, 2(4): 63-68.

[41] Fu Y. The Application of Big Data Analytics to Stock and Derivatives Trading Strategies[J]. Economics and Management Innovation, 2025, 2(3): 21-27.

[42] Sheng, Cheng. "Strategies and Practices of Enterprise Financial Accounting and Financial Management in the New Financial Environment." (2025). International Journal of Social Sciences and Economic Management, 6(1), 124-133

[43] Guo Y. Technology Application and Focus in Financial Investment Banking[J]. European Journal of Business, Economics & Management, 2025, 1(1): 104-110.

[44] Zhang X. Application of Real Time Machine Learning Models in Financial Fraud Identification[J]. European Journal of Business, Economics & Management, 2025, 1(2): 1-7.

[45] Xu Q. Enhancing User Experience in Enterprise-Level Web Applications through Technological Innovation[J]. Journal of Computer, Signal, and System Research, 2025, 2(4): 90-96.

[46] Huang J. Digital Technologies Enabling Rural Revitalization: The Practice of AI and BIM in the Adaptive Reuse of Historic Buildings[J]. International Journal of Architectural Engineering and Design, 2025, 2(1): 1-8.

[47] Tang Z. Research on Resource Planning and Transmission Line Optimization System of US Power Grid Based on GIS Technology[J]. safety, 2024, 8(5): 53-59.

[48] Wei Z. Design and Implementation of Financial Derivatives Trading Platform Based on Blockchain Technology[J]. Financial Economics Insights, 2025, 2(1): 29-35.

[49] Ma Z. How to Optimize User Conversion Rates and Revenue Growth with AI Models[J]. Economics and Management Innovation, 2025, 2(3): 57-63.

[50] Chen A. Application and Optimization Exploration of Quantum Computing in Real-Time Recommendation System for E-Commerce Platforms[J]. Journal of Computer, Signal, and System Research, 2025, 2(3): 17-23.

[51] Wang C. Application of Data Analysis in Bank Mortgage Loan Risk Assessment[J]. Financial Economics Insights, 2025, 2(1): 23-28.

[52] Cai Y. Permission Control and Security Improvement in Cross-Platform Mobile Application Development[J]. Journal of Computer, Signal, and System Research, 2025, 2(4): 24-30.

[53] Ma, K. (2024). Relationship Between Return to Experience and Initial Wage Level in United States. Frontiers in Business, Economics and Management, 16(2), 282-286.

[54] Chen, A. (2024). “Identification of User Preferences and Personalized Recommendation Strategy in E-commerce Platforms.” Journal of Computing and Electronic Information Management, 15(3), 100-103

[55] Gu, Yiting (2025). "Practical Approaches to Developing High-performance Web Applications Based on React" Frontiers in Science and Engineering, 5(2), 99-105.

[56] Yan, J. (2025). AI-driven Streaming Customer Churn Prediction and Management Research. Mathematical Modeling and Algorithm Application,3(3),1-4.