FinRED: An Expert-Guided Benchmark Generation and Evaluation Framework for Financial LLM Red-Teaming

Existing safety benchmarks target general adversarial scenarios but miss finance-specific risks. Financial LLMs face regulatory compliance violations, fraud facilitation, and systemic trust erosion that require targeted evaluation. We introduce FinRED, an expert-guided red-teaming framework for financial LLM safety evaluation developed with financial experts. FinRED uses a novel two-level taxonomy mapping global standards (e.g., FATF and EU DORA) to threats ranging from regulatory evasion to complex fraud, integrated with a scalable pipeline that converts real financial documents into context-rich red-teaming Behavioral Prompts (seeds) through an expert-defined schema. Rigorous expert validation confirms seed plausibility and realism for meaningful LLM safety evaluation. We also provide an expert-validated, finance-specific rubric that goes beyond disclaimer checks, aligns more closely with human experts than static one-size-fits-all rubrics, and reduces critical false negatives from 28 to 12. Aligned with internationally adopted risk-management and information-security standards (e.g., ISO/IEC 27001), FinRED is deployed in South Korea's Financial Security Institute (FSI) regulatory sandbox for generative AI security evaluation in real financial services. To mitigate dual-use risks, the dataset, generation pipeline, prompt template, and evaluation framework are gated for qualified researchers at https://github.com/selectstar-ai/FinRED-paper and https://huggingface.co/datasets/datumo/FinRED.

YouZhi: Towards High-Concurrency Financial LLMs via Adaptive GQA-to-MLA Transition

Large language models (LLMs) drive significant financial innovations, yet their high-concurrency deployment is severely bottlenecked by KV cache memory overhead, which inflates infrastructure costs and throttles scalability. To address this, we propose YouZhi-LLM, a highly efficient financial LLM empowered by a comprehensive structural transition and training pipeline natively built on the Huawei Ascend ecosystem. At its algorithmic core, YouZhi-LLM features a layer-adaptive GQA-to-MLA transition framework that dynamically assigns per-layer FreqFold sizes, maximizing KV-cache compression while minimizing perplexity degradation. To recover representation capacity and inject domain expertise, the Ascend-based training pipeline seamlessly integrates generalized knowledge distillation with financial-specific supervised fine-tuning. Evaluations demonstrate the superiority of this systematic approach, with the adaptive transition reducing perplexity degradation by up to 35% over uniform baselines. Crucially, when evaluated on Ascend NPUs via vLLM-Ascend, the massive KV-cache reduction translates directly into deployment efficiency. Compared to their respective base models, YouZhi-7B yields a 12.3% improvement in average financial benchmark score alongside a 2.69$\times$ increase in maximum concurrency; similarly, YouZhi-14B achieves a 7.0% accuracy gain and a 2.43$\times$ concurrency boost, establishing a new paradigm for cost-effective, high-throughput financial inference.