Integrated Mixture of Neighborhood and Community Experts for Graph-Based Fraud Detection

Graph-based fraud detection (GFD) aims to identify fraud nodes within graph-structured data that significantly deviate from the majority of benign nodes. However, existing graph neural networks (GNNs) often struggle in GFD scenarios due to their reliance on homophily assumption, which is frequently violated by the inherent homophily-heterophily mixture of fraud graphs. Moreover, most methods focus primarily on local topology, overlooking mesoscopic community structures, making them less efficient in detecting suspicious patterns like densely connected subgraphs. To address the aforementioned issues, we present NeCo, a novel approach that integrates mixture of neighborhood and community experts for graph-based fraud detection. Specifically, we first introduce a fraud-discriminative representation preservation mechanism from a neighborhood perspective, leveraging the empirical finding that fraud nodes tend to exhibit larger feature propagation discrepancies compared to benign nodes. We then design a community-oriented node representation module that models structural compactness among nodes, enabling the detection of suspicious topological patterns associated with fraud behaviors. By integrating these two complementary perspectives, NeCo can effectively captures both local inconsistency and global structural irregularity. Extensive experiments across five real-world datasets demonstrate the effectiveness of our proposed NeCo over state-of-the-art baselines.