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Machine learning (ML) algorithms are increasingly deployed in high-stakes decision-making domains such as loan approvals, hiring, and recidivism predictions. While existing fairness metrics (e.g., statistical parity, equal opportunity)…

Learning data representations that are transferable and are fair with respect to certain protected attributes is crucial to reducing unfair decisions while preserving the utility of the data. We propose an information-theoretically…

Supervised machine learning often operates on the data-driven paradigm, wherein internal model parameters are autonomously optimized to converge predicted outputs with the ground truth, devoid of explicitly programming rules or a priori…

The persistent challenge of bias in machine learning models necessitates robust solutions to ensure parity and equal treatment across diverse groups, particularly in classification tasks. Current methods for mitigating bias often result in…

As one of the most popular linear subspace learning methods, the Linear Discriminant Analysis (LDA) method has been widely studied in machine learning community and applied to many scientific applications. Traditional LDA minimizes the…

Recent years have witnessed increasing concerns towards unfair decisions made by machine learning algorithms. To improve fairness in model decisions, various fairness notions have been proposed and many fairness-aware methods are developed.…

Algorithmic decision making systems are ubiquitous across a wide variety of online as well as offline services. These systems rely on complex learning methods and vast amounts of data to optimize the service functionality, satisfaction of…

Predicting default is essential for banks to ensure profitability and financial stability. While modern machine learning methods often outperform traditional regression techniques, their lack of transparency limits their use in regulated…

Federated learning is a distributed machine learning paradigm that enables collaborative training across multiple parties while ensuring data privacy. Gradient Boosting Decision Trees (GBDT), such as XGBoost, have gained popularity due to…

We propose a fair machine learning algorithm to model interpretable differences between observed and desired human decision-making, with the latter aimed at reducing disparity in a downstream outcome impacted by the human decision. Prior…

Predictive models often reinforce biases which were originally embedded in their training data, through skewed decisions. In such cases, mitigation methods are critical to ensure that, regardless of the prevailing disparities, model…

This work empirically evaluates machine learning models on two imbalanced public datasets (KDDCUP99 and Credit Card Fraud 2013). The method includes data preparation, model training, and evaluation, using an 80/20 (train/test) split. Models…

Credit is an essential component of financial wellbeing in America, and unequal access to it is a large factor in the economic disparities between demographic groups that exist today. Today, machine learning algorithms, sometimes trained on…

Experience has shown that trading in stock and cryptocurrency markets has the potential to be highly profitable. In this light, considerable effort has been recently devoted to investigate how to apply machine learning and deep learning to…

Bias in AI systems, especially those relying on natural language data, raises ethical and practical concerns. Underrepresentation of certain groups often leads to uneven performance across demographics. Traditional fairness methods, such as…

In recent years, machine learning algorithms have become ubiquitous in a multitude of high-stakes decision-making applications. The unparalleled ability of machine learning algorithms to learn patterns from data also enables them to…

The forecasting of the credit default risk has been an important research field for several decades. Traditionally, logistic regression has been widely recognized as a solution due to its accuracy and interpretability. As a recent trend,…

Work in computer science has established that, contrary to conventional wisdom, for a given prediction problem there are almost always multiple possible models with equivalent performance--a phenomenon often termed model multiplicity.…

This paper examines two different yet related questions related to explainable AI (XAI) practices. Machine learning (ML) is increasingly important in financial services, such as pre-approval, credit underwriting, investments, and various…

Bias in machine learning has rightly received significant attention over the last decade. However, most fair machine learning (fair-ML) work to address bias in decision-making systems has focused solely on the offline setting. Despite the…