# VERAFI: Verified Agentic Financial Intelligence through Neurosymbolic Policy Generation

arXiv: https://arxiv.org/abs/2512.14744 · HTML: https://mlsanity.com/paper/2512.14744/

## Key facts

- Cited by 4 papers in the map (data through 14 Oct 2026).
- Placed in Legal and financial RAG, one of 15 directions in Retrieval-augmented generation.
- Builds on 21 of its 28 references that are in the map.
- First posted on arXiv 12 Dec 2025.

## Placed in

- Retrieval-augmented generation / [Legal and financial RAG](https://mlsanity.com/rag/legal-and-financial-rag/)
- LLM agents and tool use / [Financial trading and forecasting agents](https://mlsanity.com/agents/financial-trading-and-forecasting-agents/)

## Builds on (most cited first, 21 of 21)

- [Retrieval-Augmented Generation for Knowledge-Intensive NLP Tasks](https://mlsanity.com/paper/2005.11401/) (2020)
- [Judging LLM-as-a-Judge with MT-Bench and Chatbot Arena](https://mlsanity.com/paper/2306.05685/) (2023)
- [Dense Passage Retrieval for Open-Domain Question Answering](https://mlsanity.com/paper/2004.04906/) (2020)
- [G-Eval: NLG Evaluation using GPT-4 with Better Human Alignment](https://mlsanity.com/paper/2303.16634/) (2023)
- [REALM: Retrieval-Augmented Language Model Pre-Training](https://mlsanity.com/paper/2002.08909/) (2020)
- [Self-RAG: Learning to Retrieve, Generate, and Critique through Self-Reflection](https://mlsanity.com/paper/2310.11511/) (2023)
- [WebGPT: Browser-assisted question-answering with human feedback](https://mlsanity.com/paper/2112.09332/) (2021)
- [Qwen3 Embedding: Advancing Text Embedding and Reranking Through Foundation Models](https://mlsanity.com/paper/2506.05176/) (2025)
- [Interleaving Retrieval with Chain-of-Thought Reasoning for Knowledge-Intensive Multi-Step Questions](https://mlsanity.com/paper/2212.10509/) (2022)
- [Latent Retrieval for Weakly Supervised Open Domain Question Answering](https://mlsanity.com/paper/1906.00300/) (2019)
- [Passage Re-ranking with BERT](https://mlsanity.com/paper/1901.04085/) (2019)
- [FinQA: A Dataset of Numerical Reasoning over Financial Data](https://mlsanity.com/paper/2109.00122/) (2021)
- [FinanceBench: A New Benchmark for Financial Question Answering](https://mlsanity.com/paper/2311.11944/) (2023)
- [Agentic Retrieval-Augmented Generation: A Survey on Agentic RAG](https://mlsanity.com/paper/2501.09136/) (2025)
- [ConvFinQA: Exploring the Chain of Numerical Reasoning in Conversational Finance Question Answering](https://mlsanity.com/paper/2210.03849/) (2022)
- [Finance Agent Benchmark: Benchmarking LLMs on Real-world Financial Research Tasks](https://mlsanity.com/paper/2508.00828/) (2025)
- [A Neurosymbolic Approach to Natural Language Formalization and Verification](https://mlsanity.com/paper/2511.09008/) (2025)
- [SymRAG: Efficient Neuro-Symbolic Retrieval Through Adaptive Query Routing](https://mlsanity.com/paper/2506.12981/) (2025)
- [A Neuro-Symbolic Approach to Multi-Agent RL for Interpretability and Probabilistic Decision Making](https://mlsanity.com/paper/2402.13440/) (2024)
- [Enhancing Large Language Models with Neurosymbolic Reasoning for Multilingual Tasks](https://mlsanity.com/paper/2506.02483/) (2025)
- [Enhancing Financial RAG with Agentic AI and Multi-HyDE: A Novel Approach to Knowledge Retrieval and Hallucination Reduction](https://mlsanity.com/paper/2509.16369/) (2025)

## Built on by (most cited first, 4 of 4)

- [User as Code: Executable Memory for Personalized Agents](https://mlsanity.com/paper/2606.16707/) (2026)
- [FregeLogic at SemEval 2026 Task 11: A Hybrid Neuro-Symbolic Architecture for Content-Robust Syllogistic Validity Prediction](https://mlsanity.com/paper/2604.18328/) (2026)
- [Neurosymbolic Auditing of Natural-Language Software Requirements](https://mlsanity.com/paper/2605.13817/) (2026)
- [FinInvest-GTCN: Explainable Graph-Temporal-Causal Modeling for Risk-Aware Investment Decision Optimization](https://mlsanity.com/paper/2606.28933/) (2026)

## Abstract (arXiv)

Financial AI systems suffer from a critical blind spot: while Retrieval-Augmented Generation (RAG) excels at finding relevant documents, language models still generate calculation errors and regulatory violations during reasoning, even with perfect retrieval. This paper introduces VERAFI (Verified Agentic Financial Intelligence), an agentic framework with neurosymbolic policy generation for verified financial intelligence. VERAFI combines state-of-the-art dense retrieval and cross-encoder reranking with financial tool-enabled agents and automated reasoning policies covering GAAP compliance, SEC requirements, and mathematical validation. Our comprehensive evaluation on FinanceBench demonstrates remarkable improvements: while traditional dense retrieval with reranking achieves only 52.4% factual correctness, VERAFI's integrated approach reaches 94.7%, an 81% relative improvement. The neurosymbolic policy layer alone contributes a 4.3 percentage point gain over pure agentic processing, specifically targeting persistent mathematical and logical errors. By integrating financial domain expertise directly into the reasoning process, VERAFI offers a practical pathway toward trustworthy financial AI that meets the stringent accuracy demands of regulatory compliance, investment decisions, and risk management.