LLM Output Drift: Cross-Provider Validation & Mitigation for Financial Workflows
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Abstract (arXiv)
Financial institutions deploy Large Language Models (LLMs) for reconciliations, regulatory reporting, and client communications, but nondeterministic outputs (output drift) undermine auditability and trust. We quantify drift across five model architectures (7B-120B parameters) on regulated financial tasks, revealing a stark inverse relationship: smaller models (Granite-3-8B, Qwen2.5-7B) achieve 100% output consistency at T=0.0, while GPT-OSS-120B exhibits only 12.5% consistency (95% CI: 3.5-36.0%) regardless of configuration (p<0.0001, Fisher's exact test). This finding challenges conventional assumptions that larger models are universally superior for production deployment. Our contributions include: (i) a finance-calibrated deterministic test harness combining greedy decoding (T=0.0), fixed seeds, and SEC 10-K structure-aware retrieval ordering; (ii) task-specific invariant checking for RAG, JSON, and SQL outputs using finance-calibrated materiality thresholds (plus or minus 5%) and SEC citation validation; (iii) a three-tier model classification system enabling risk-appropriate deployment decisions; and (iv) an audit-ready attestation system with dual-provider validation. We evaluated five models (Qwen2.5-7B via Ollama, Granite-3-8B via IBM watsonx.ai, Llama-3.3-70B, Mistral-Medium-2505, and GPT-OSS-120B) across three regulated financial tasks. Across 480 runs (n=16 per condition), structured tasks (SQL) remain stable even at T=0.2, while RAG tasks show drift (25-75%), revealing task-dependent sensitivity. Cross-provider validation confirms deterministic behavior transfers between local and cloud deployments. We map our framework to Financial Stability Board (FSB), Bank for International Settlements (BIS), and Commodity Futures Trading Commission (CFTC) requirements, demonstrating practical pathways for compliance-ready AI deployments.
Key facts. Cited by 6 papers in the map (data through 7 Oct 2026). Builds on 5 of its 48 references that are in the map. First posted on arXiv 10 Nov 2025.
Builds on
5 of 48 references.
References · 5
- 2023Efficient Memory Management for Large Language Model Serving with PagedAttentioncited by 5,767
- 2024Non-Determinism of "Deterministic" LLM Settingscited by 84
- 2024DocFinQA: A Long-Context Financial Reasoning Datasetcited by 59
- 2024SEC-QA: A Systematic Evaluation Corpus for Financial QAcited by 17
- 2024Reproducibility, Replicability, and Repeatability: A survey of reproducible research with a focus on high performance computingcited by 8
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Citing papers per year: 2026: 6.
6 papers.
- 2026Replayable Financial Agents: A Determinism-Faithfulness Assurance Harness for Tool-Using LLM Agentscited by 7
- 2026The Dice Roll Method: A Standardized Protocol for Repeated-Query Auditing of Large Language Model Brand Recommendationscited by 2
- 2026LLM Readiness Harness: Evaluation, Observability, and CI Gates for LLM/RAG Applicationscited by 0
- 2026From Accuracy to Auditability: A Survey of Determinism in Financial AI Systemscited by 0
- 2026Grading the Graders: Verification Autonomy Levels (L0-L5) for LLM Reasoningcited by 0
- 2026SiliconBench: Speed, Memory, and Fidelity for LLM Serving on Unified-Memory Desktopscited by 0
- 2026SiliconBench: Speed, Memory, and Fidelity for LLM Serving on Unified-Memory Desktops12 Sep 2026
- 2026The Dice Roll Method: A Standardized Protocol for Repeated-Query Auditing of Large Language Model Brand Recommendations3 Sep 2026
- 2026Grading the Graders: Verification Autonomy Levels (L0-L5) for LLM Reasoning19 Aug 2026
- 2026From Accuracy to Auditability: A Survey of Determinism in Financial AI Systems11 May 2026
- 2026LLM Readiness Harness: Evaluation, Observability, and CI Gates for LLM/RAG Applications28 Mar 2026
- 2026Replayable Financial Agents: A Determinism-Faithfulness Assurance Harness for Tool-Using LLM Agents17 Jan 2026
Similar, not cited
Close in wording, no citation either way
- 2026Are the Financial Reasoning from LLMs Credible? A Real World Test over Long-Horizon Statements
- 2026FinTrace: Holistic Trajectory-Level Evaluation of LLM Tool Calling for Long-Horizon Financial Tasks
- 2026FinReasoning: A Hierarchical Benchmark for Reliable Financial Research Reporting
- 2025Standard Benchmarks Fail -- Auditing LLM Agents in Finance Must Prioritize Risk
- 2026Are Large Language Models Reliable Reviewers? A Benchmark for Error Detection in Financial Documents
- 2026FinMCP-Bench: Benchmarking LLM Agents for Real-World Financial Tool Use under the Model Context Protocol
- 2026FinRule-Bench: A Benchmark for Joint Reasoning over Financial Tables and Principles
- 2026FinToolBench: Evaluating LLM Agents for Real-World Financial Tool Use