Lise Getoor is an American computer scientist who is a distinguished professor and Baskin Endowed chair in the Computer Science and Engineering department, at the University of California, Santa Cruz, and an adjunct professor in the Computer Science Department at the University of Maryland, College Park. Her primary research interests are in machine learning and reasoning with uncertainty, applied to graphs and structured data. She also works in data integration, social network analysis and visual analytics. She has edited a book on Statistical relational learning that is a main reference in this domain. She has published many highly cited papers in academic journals and conference proceedings. She has also served as action editor for the Machine Learning Journal, JAIR associate editor, and TKDD associate editor. She received her Ph.D. from Stanford University, her M.S. from UC Berkeley, and her B.S. from UC Santa Barbara. Prior to joining University of California, Santa Cruz, she was a professor at the University of Maryland, College Park until November 2013. == Recognition == Getoor has multiple best paper awards, an NSF Career Award, and is an Association for the Advancement of Artificial Intelligence (AAAI) Fellow. In 2019, she was elected as an ACM Fellow "for contributions to machine learning, reasoning under uncertainty, and responsible data science", was selected as a Distinguished Alumna of the UC Santa Barbara Computer Science Department, was awarded the UCSC WiSE Chancellor's Achievement Award for Diversity, and was selected to give the UC Santa Cruz Faculty Research Lecture 2018-19, one of the highest recognitions given to UC faculty. She was named an IEEE Fellow in 2021, "for contributions to machine learning and reasoning under uncertainty". In October 2022, Getoor was elected a Fellow of the American Association for the Advancement of Science (AAAS). In 2024, she was named a Fellow of the American Academy of Arts and Sciences (AAA&S). Also in 2024, she received the ACM SIGKDD Innovation Award recognizing individuals with outstanding technical innovations in the field of Knowledge Discovery and Data Mining that have had a lasting impact in advancing the theory and practice of the field. == Personal life == Getoor's father was mathematician Ronald Getoor (1929–2017).
Artificial intelligence in fraud detection
Artificial intelligence is used by many different businesses and organizations. It is widely used in the financial sector, especially by accounting firms, to help detect fraud. In 2022, PricewaterhouseCoopers reported that fraud has impacted 46% of all businesses in the world. The shift from working in person to working from home has brought increased access to data. According to an FTC (Federal Trade Commission) study from 2022, customers reported fraud of approximately $5.8 billion in 2021, an increase of 70% from the year before. The majority of these scams were imposter scams and online shopping frauds. Furthermore, artificial intelligence plays a crucial role in developing advanced algorithms and machine learning models that enhance fraud detection systems, enabling businesses to stay ahead of evolving fraudulent tactics in an increasingly digital landscape. == Tools == === Expert systems === Expert systems were first designed in the 1970s as an expansion into artificial intelligence technologies. Their design is based on the premise of decreasing potential user error in decision-making and emulating mental reasoning used by experts in a particular field. They differentiate themselves from traditional linear reasoning models by separating identified points in data and processing them individually at the same time. Though, these systems do not rely purely on machine-learned intelligence. Information regarding rules, practices, and procedures in the form of "if-then" statements are implemented into the programming of the system. Users interact with the system by feeding information into the system either through direct entry or import of external data. An inference system compares the information provided by the user with corresponding rules that are believed to specifically apply to the situation. Using this information and the corresponding rules will be used to create a solution to the user's query. Expert systems will generally not operate properly when the common procedures for a specified situation are ambiguous due to the need for well-defined rules. Implementation of expert systems in accounting procedures is feasible in areas where professional judgment is required. Situations where expert systems are applicable include investigations into transactions that involve potential fraudulent entries, instances of going concern, and the evaluation of risk in the planning stages of an audit. === Continuous auditing === Continuous auditing is a set of processes that assess various aspects of information gathered in an audit to classify areas of risk and potential weaknesses in financial Internal controls at a more frequent rate than traditional methods. Instead of analyzing recorded transactions and journal entries periodically, continuous auditing focuses on interpreting the character of these actions more frequently. The frequency of these processes being undertaken as well as highlighting areas of importance is up to the discretion of their implementer, who commonly makes such decisions based on the level of risk in the accounts being evaluated and the goals of implementing the system. Performance of these processes can occur as frequently as being nearly instantaneous with an entry being posted. The processes involved with analyzing financial data in continuous auditing can include the creation of spreadsheets to allow for interactive information gathering, calculation of financial ratios for comparison with previously created models, and detection of errors in entered figures. A primary goal of this practice is to allow for quicker and easier detection of instances of faulty controls, errors, and instances of fraud. === Machine learning and deep learning === The ability of machine learning and deep learning to swiftly and effectively sort through vast volumes of data in the forms of various documents relevant to companies and documents being audited makes them applicable to the domains of audit and fraud detection. Examples of this include recognizing key language in contracts, identifying levels of risk of fraud in transactions, and assessing journal entries for misstatement. == Applications == === 'Big 4' Accounting Firms === Deloitte created an Al-enabled document-reviewing system in 2014. The system automates the method of reviewing and extracting relevant information from different business documents. Deloitte claims that this innovation has made a difference by reducing time spent going through lawful contract documents, invoices, money-related articulations, and board minutes by up to 50%. Working with IBM's Watson, Deloitte is developing cognitive-technology-enhanced commerce arrangements for its clients. LeasePoint is fueled by IBM TRIRIGA (this product evolved into IBM Maximo Real Estate and Facilities) and uses Deloitte's industrial information to create an end-to-end leasing portfolio. Automated Cognitive Resource Assessment employs IBM's Maximo innovation to progress the proficiency of asset inspection. Ernst and Young (EY) connected Al to the investigation of lease contracts. EY (Australia) has also received Al-enabled auditing technology. Collaborating with H20.ai, PwC developed an Al-enabled framework (GL.ai) capable of analyzing reports and preparing reports. PwC claims to have made a significant investment in normal dialect processing (NLP), an Al-enabled innovation to process unstructured information efficiently. KPMG built a portfolio of Al instruments, called KPMG Ignite, to upgrade trade decisions and forms. Working with Microsoft and IBM Watson, KPMG is creating instruments to coordinate Al, data analytics, Cognitive Technologies, and RPA. == Advantages == === Efficiency === The process of auditing an entity in an attempt to detect fraudulent activity requires the repeating of investigatory processes until an error or misstatement may be identified. Under traditional methods, these processes would be carried out by a human being. Proponents of artificial intelligence in fraud detection have stated that these traditional methods are inefficient and can be more quickly accomplished with the aid of an intelligent computing system. A survey of 400 chief executive officers created by KPMG in 2016 found that approximately 58% believed that artificial intelligence would play a key role in making audits more efficient in the future. === Data interpretation === Higher levels of fraud detection entail the use of professional judgement to interpret data. Supporters of artificial intelligence being used in financial audits have claimed that increased risks from instances of higher data interpretation can be minimized through such technologies. One necessary element of an audit of financial statements that requires professional judgement is the implementation of thresholds for materiality. Materiality entails the distinction between errors and transactions in financial statements that would impact decisions made by users of those financial statements. The threshold for materiality in an audit is set by the auditor based on various factors. Artificial intelligence has been used to interpret data and suggest materiality thresholds to be implemented through the use of expert systems. === Decreased costs === Those in favor of using artificial intelligence to complete investigations of fraud have stated that such technologies decrease the amount of time required to complete tasks that are repetitive. The claim further states that such efficiencies allow for lowered resource requirements, which can then be further spent on tasks that have not been fully automated. The audit firm Ernst & Young has posited these claims by declaring that their deep learning systems have been used to reduce time spent on administrative tasks by analyzing relevant audit documents. According to the firm, this has allowed their employees to focus more on judgement and analysis. == Disadvantages == === Job Displacement === The inescapable reception of computer based intelligence and robotization advancements might prompt critical work relocation across different enterprises. As artificial intelligence frameworks become more equipped for performing undertakings customarily completed by people, there is a worry that specific work jobs could become out of date, prompting joblessness and financial imbalance. === Initial investment requirement === Along with a knowledge of coding and building systems through computer programs, we are seeing the advantages of these systems, but since they are so new, they require a large investment to start building such a system. Any firm that is planning on implementing an AI system to detect fraud must hire a team of data scientists, along with upgrading their cloud system and data storage. The system must be consistently monitored and updated to be the most efficient form of itself, otherwise the likelihood of fraud being involved in those transactions increases. If one does not initially invest in such a syst
Transderivational search
Transderivational search (often abbreviated to TDS) is a psychological and cybernetics term, meaning when a search is being conducted for a fuzzy match across a broad field. In computing the equivalent function can be performed using content-addressable memory. Unlike usual searches, which look for literal (i.e. exact, logical, or regular expression) matches, a transderivational search is a search for a possible meaning or possible match as part of communication, and without which an incoming communication cannot be made any sense of whatsoever. It is thus an integral part of processing language, and of attaching meaning to communication. In NLP (Neuro-linguistic programming), a transderivational search (Bandler and Grinder, 1976) is essentially the process of searching back through one's stored memories and mental representations to find the personal reference experiences from which a current understanding or mental map has been derived. By the end of 1976, Grinder and Bandler had combined Satir’s and Perls’ language patterns and Erickson’s hypnotic language and use of metaphor with anchoring to create new processes that they called collapsing anchors, trans-derivational search, changing personal history, and reframing. A psychological example of TDS is in Ericksonian hypnotherapy, where vague suggestions are used that the patient must process intensely in order to find their own meanings, thus ensuring that the practitioner does not intrude his own beliefs into the subject's inner world. == TDS in human communication and processing == Because TDS is a compelling, automatic and unconscious state of internal focus and processing (i.e. a type of everyday trance state), and often a state of internal lack of certainty, or openness to finding an answer (since something is being checked out at that moment), it can be utilized or interrupted, in order to create, or deepen, trance. TDS is a fundamental part of human language and cognitive processing. Arguably, every word or utterance a person hears, for example, and everything they see or feel and take note of, results in a very brief trance while TDS is carried out to establish a contextual meaning for it. === Examples === Leading statements: "And those thoughts you had yesterday..." the human mind cannot process hearing this phrase, without at some level searching internally for some thoughts or other that it had yesterday, to make the subject of the sentence. "The many colors that fruit can be" likewise starts the human mind considering even if briefly, different fruit sorted by color. "You did it again, didn't you!" This everyday manipulative use of TDS usually sends the recipient looking internally for some "it" they may have done for which blame is being fairly given. Regardless of whether such a matter can be identified, guilt or anger may result. "There has been pain, hasn't there" the mind of a patient suffering an illness will find it very hard or impossible to hear or answer this sentence without conducting internal searches to verify whether this is true or not, or to find an example if so. "You'd forgotten something [or: some part of your body], hadn't you?" the mind usually checks through the various things, or parts of the body, on hearing this, seeing if each in turn has been forgotten. Textual ambiguity: "Do you remember line dancing on the steps?" Without sufficient context, some statements may trigger TDS in order to resolve inherent ambiguity in the interpretation of a posed question. Do I remember a bygone fad called "line dancing on the steps"? Do I remember personally engaging in dancing in the past? Do I remember my routine practice dancing by focusing on the steps of the dance? Do I tend to forget about dancing when I am standing on steps? "Penny-wise and pound the table dance to the beat of a different drummer". The mixing of cliché and stock phrases may trigger TDS in order to reconcile the discrepancies between expected and actual utterances in sequence. Although TDS is often associated with spoken language, it can be induced in any perceptual system. Thus Milton Erickson's "hypnotic handshake" is a technique that leaves the other person performing TDS in search of meaning to a deliberately ambiguous use of touch.
LanguageWare
LanguageWare is a natural language processing (NLP) technology developed by IBM, which allows applications to process natural language text. It comprises a set of Java libraries that provide a range of NLP functions: language identification, text segmentation/tokenization, normalization, entity and relationship extraction, and semantic analysis and disambiguation. The analysis engine uses a finite-state machine approach at multiple levels, which aids its performance characteristics while maintaining a reasonably small footprint. The behaviour of the system is driven by a set of configurable lexico-semantic resources which describe the characteristics and domain of the processed language. A default set of resources comes as part of LanguageWare and these describe the native language characteristics, such as morphology, and the basic vocabulary for the language. Supplemental resources have been created that capture additional vocabularies, terminologies, rules and grammars, which may be generic to the language or specific to one or more domains. A set of Eclipse-based customization tooling, LanguageWare Resource Workbench, is available on IBM's alphaWorks site, and allows domain knowledge to be compiled into these resources and thereby incorporated into the analysis process. LanguageWare can be deployed as a set of UIMA-compliant annotators, Eclipse plug-ins or Web Services.
Latent semantic mapping
Latent semantic mapping (LSM) is a data-driven framework to model globally meaningful relationships implicit in large volumes of (often textual) data. It is a generalization of latent semantic analysis. In information retrieval, LSA enables retrieval on the basis of conceptual content, instead of merely matching words between queries and documents. LSM was derived from earlier work on latent semantic analysis. There are 3 main characteristics of latent semantic analysis: Discrete entities, usually in the form of words and documents, are mapped onto continuous vectors, the mapping involves a form of global correlation pattern, and dimensionality reduction is an important aspect of the analysis process. These constitute generic properties, and have been identified as potentially useful in a variety of different contexts. This usefulness has encouraged great interest in LSM. The intended product of latent semantic mapping, is a data-driven framework for modeling relationships in large volumes of data. Mac OS X v10.5 and later includes a framework implementing latent semantic mapping.
Histogram of oriented displacements
Histogram of oriented displacements (HOD) is a 2D trajectory descriptor. The trajectory is described using a histogram of the directions between each two consecutive points. Given a trajectory T = {P1, P2, P3, ..., Pn}, where Pt is the 2D position at time t. For each pair of positions Pt and Pt+1, calculate the direction angle θ(t, t+1). Value of θ is between 0 and 360. A histogram of the quantized values of θ is created. If the histogram is of 8 bins, the first bin represents all θs between 0 and 45. The histogram accumulates the lengths of the consecutive moves. For each θ, a specific histogram bin is determined. The length of the line between Pt and Pt+1 is then added to the specific histogram bin. To show the intuition behind the descriptor, consider the action of waving hands. At the end of the action, the hand falls down. When describing this down movement, the descriptor does not care about the position from which the hand started to fall. This fall will affect the histogram with the appropriate angles and lengths, regardless of the position where the hand started to fall. HOD records for each moving point: how much it moves in each range of directions. HOD has a clear physical interpretation. It proposes that, a simple way to describe the motion of an object, is to indicate how much distance it moves in each direction. If the movement in all directions are saved accurately, the movement can be repeated from the initial position to the final destination regardless of the displacements order. However, the temporal information will be lost, as the order of movements is not stored-this is what we solve by applying the temporal pyramid, as shown in section \ref{sec:temp-pyramid}. If the angles quantization range is small, classifiers that use the descriptor will overfit. Generalization needs some slack in directions-which can be done by increasing the quantization range.
Ghana Post GPS
GhanaPostGPS is a web and smartphone application, sponsored by the government of Ghana and developed by Vokacom, to provide a digital addresses and postal codes for every 5 squared meter location in Ghana. The digital address is a composite of the postcode (region, district & area code) plus a unique address. GhanaPostGPS is the first digital addressing system created by the government of Ghana. GhanaPost GPS is a mandatory requirement for obtaining the National Identification Card and other services.