mlsanityData to 14 Oct 2026

FinRiskAtlas: Decision-Aligned Evaluation of Large Language Models for Financial Risk Review

arXiv 2608.25325 ↗First posted 26 Aug 2026cs.AI cs.CLcited by 0

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Abstract (arXiv)

Deploying large language models for professional financial review requires more than measuring general financial competence: models must perform the specific review operation required by a workflow and determine whether available evidence is sufficient for a defensible decision. Existing financial benchmarks cover knowledge, reasoning, compliance, and professional tasks, but their evaluation units are often organized around datasets or task formulations rather than the decisions that deployed systems support. We introduce FinRiskAtlas, a Chinese-language benchmark that evaluates financial LLMs along two complementary dimensions: operation execution under fixed evidence states and evidence-state control under evolving review conditions. The static benchmark contains 9,742 instances across 53 task families, including 42 Domain Knowledge families and eleven downstream review operations defined by explicit evaluation contracts. FinRisk-Ask extends this framework through offline replay of 680 pre-action states from 104 de-identified professional trajectories, withholding future evidence during inference and using it only to construct expert-verified evidence targets. Across 33 model configurations, operation-level evaluation yields non-redundant rankings (mean pairwise Spearman correlation 0.42 across downstream operations), and knowledge-based shortlisting can incur up to 18.01 points of regret on individual operations. FinRisk-Ask further shows that entering the Ask branch more frequently does not necessarily improve request targeting or end-to-end evidence acquisition. These results show that broad financial capability scores do not fully capture where models are reliable in professional workflows, motivating evaluation units aligned with the decisions and evidence states that deployed systems must support.

Key facts. No citing papers in the map yet (data through 14 Oct 2026). Builds on 33 of its 38 references that are in the map. First posted on arXiv 26 Aug 2026.

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33 of 38 references.

References · 33

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21 more
  1. 2022WHEN FLUE MEETS FLANG: Benchmarks and Large Pre-trained Language Model for Financial Domaincited by 117
  2. 2023LawBench: Benchmarking Legal Knowledge of Large Language Modelscited by 117
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  11. 2025From Passive to Active Reasoning: Can Large Language Models Ask the Right Questions under Incomplete Information?cited by 23
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  13. 2026When and What to Ask: AskBench and Rubric-Guided RLVR for LLM Clarificationcited by 16
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  15. 2026RealFin: How Well Do LLMs Reason About Finance When Users Leave Things Unsaid?cited by 9
  16. 2024I Could've Asked That: Reformulating Unanswerable Questionscited by 6
  17. 2025Beyond Knowledge to Agency: Evaluating Expertise, Autonomy, and Integrity in Finance with CNFinBenchcited by 4
  18. 2025Grounded in Reality: Learning and Deploying Proactive LLM from Offline Logscited by 3
  19. 2026FinGuard: Detecting Financial Regulatory Non-Compliance in LLM Interactionscited by 2
  20. 2026Are Large Language Models Reliable Reviewers? A Benchmark for Error Detection in Financial Documentscited by 2
  21. 2026FinRED: An Expert-Guided Benchmark Generation and Evaluation Framework for Financial LLM Red-Teamingcited by 1

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