United States

The prosperity of mobile and financial technologies has bred and expanded various kinds of financial products to a broader scope of people, which contributes to financial inclusion. It brings non-trivial social benefits of diminishing financial inequality. However, the technical challenges in individual financial risk evaluation exacerbated by the unforeseen user characteristic distribution and limited credit history of new users, as well as the inexperience of newly-entered companies in handling complex data and obtaining accurate labels, impede further promotion of financial inclusion. To tackle these challenges, this paper develops a novel transfer learning algorithm (i.e., TransBoost) that combines the merits of tree-based models and kernel methods. The TransBoost is designed with a parallel tree structure and
 efficient weights updating mechanism with theoretical guarantee, which enables it to excel in tackling real-world data with high dimensional features and sparsity in O(n) time complexity. We conduct extensive experiments on two public datasets and a unique largescale dataset from Tencent Mobile Payment. The results show that the TransBoost outperforms other state-of-the-
 art benchmark transfer learning algorithms in terms of prediction accuracy with superior efficiency, demonstrate stronger robustness to data sparsity, and provide meaningful model interpretation. Besides, given a financial risk level, the TransBoost enables financial service providers to serve the largest number of users including those who would otherwise be excluded by other algorithms. That is, the TransBoost improves financial inclusion.

AAAI 2022

TransBoost: A Boosting-Tree Kernel Transfer Learning Algorithm for Improving Financial Inclusion

### Welcome to 2025 Annual Conference of the Nations of the Americas Chapter of the Association for Computational Linguistics

Welcome to the 2025 meeting of the Nations of the Americas Chapter of the Association for Computational Linguistics! I am proud to help organize the first NAACL conference to carry the new name of our organization, one that emphasizes inclusion for all of the Americas. I am also pleased to welcome you to Albuquerque, New Mexico, a state whose unique blend of cultural influences will make for an excellent backdrop for NAACL 2025, especially with this year’s special theme on NLP in a Multicultural World. 
**[Continue reading...](https://drive.google.com/file/d/1jX-qGhqVSZZCIrAnJaz798pflu5Irrdn/view?usp=sharing)**

*- Colin Cherry, Google, NAACL 2025 General Chair* 

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NAACL 2025

Welcome to 2025 Annual Conference of the Nations of the Americas Chapter of the Association for Computational Linguistics

technical paper

The purpose of the AAAI conference is to promote research in artificial intelligence (AI) and scientific exchange among AI researchers, practitioners, scientists, and engineers in affiliated disciplines. 

Keeping track of scientific challenges, advances and emerging directions is a fundamental part of research. However, researchers face a flood of papers that hinders discovery of important knowledge. In biomedicine, this directly impacts human lives. To address this problem, we present a novel task of extraction and search of scientific challenges and directions, to facilitate rapid knowledge discovery. We construct and release an expert-annotated corpus of texts sampled from full-length papers, labeled with novel semantic categories that generalize across many types of challenges and directions. We focus on a large corpus of interdisciplinary work relating to the COVID-19 pandemic, ranging from biomedicine to areas such as AI and economics. We apply a model trained on our data to identify challenges and directions across the corpus and build a dedicated search engine. In experiments with 19 researchers and clinicians using our system, we outperform a popular scientific search engine in assisting knowledge discovery. Finally, we show that models trained on our resource generalize to the wider biomedical domain and to AI papers, highlighting its broad utility. We make our data, model and search engine publicly available.

A Search Engine for Discovery of Scientific Challenges and Directions

The potential for machine learning systems to amplify social inequities and unfairness is receiving increasing popular and academic attention. Much recent work has focused on developing algorithmic tools to assess and mitigate such unfairness. However, there is little work on enhancing fairness in graph algorithms. Here, we develop a simple, effective and general method, CrossWalk, that enhances fairness of various graph algorithms, including influence maximization, link prediction and node classification, applied to node embeddings. CrossWalk is applicable to any random walk based node representation learning algorithm, such as DeepWalk and Node2Vec. The key idea is to bias random walks to cross group boundaries, by upweighting edges which (1) are closer to the groups' peripheries or (2) connect different groups in the network. CrossWalk pulls nodes that are near groups' peripheries towards their neighbors from other groups in the embedding space, while preserving the necessary structural properties of the graph. Extensive experiments show the effectiveness of our algorithm to enhance fairness in various graph algorithms, including influence maximization, link prediction and node classification in synthetic and real networks, with only a very small decrease in performance.

CrossWalk: Fairness-Enhanced Node Representation Learning

Forest biomass is a key influence for future climate, and the world urgently needs highly scalable financing schemes, such as carbon offsetting certifications, to protect and restore forests. Current manual forest carbon stock inventory methods of measuring single trees by hand are time, labour, and cost intensive and have been shown to be subjective. They can lead to substantial overestimation of the carbon stock and ultimately distrust in forest financing. The potential for impact and scale of leveraging advancements in machine learning and remote sensing technologies is promising, but needs to be of high quality in order to replace the current forest stock protocols for certifications. 
 
 In this paper, we present ReforesTree, a benchmark dataset of forest carbon stock in six agro-forestry carbon offsetting sites in Ecuador. Furthermore, we show that a deep learning-based end-to-end model using individual tree detection from low cost RGB-only drone imagery is accurately estimating forest carbon stock within official carbon offsetting certification standards. Additionally, our baseline CNN model outperforms state-of-the-art satellite-based forest biomass and carbon stock estimates for this type of small-scale, tropical agro-forestry sites. We present this dataset to encourage machine learning research in this area to increase accountability and transparency of monitoring, verification and reporting (MVR) in carbon offsetting projects, as well as scaling global reforestation financing through accurate remote sensing.

ReforesTree: A Dataset for Estimating Tropical Forest Carbon Stock with Deep Learning and Aerial Imagery

The expression of displeasure on a consumer's behalf towards an organization, product, or event is denoted via the speech act known as complaint. Customers typically post reviews on retail websites and various social media platforms about the products or services they purchase, and the reviews may include complaints about the products or services. Automatic detection of consumers' complaints about items or services they buy can be critical for organizations and online merchants since they can use this insight to meet the customers' requirements, including handling and addressing the complaints. Previous studies on Complaint Identification (CI) are limited to text. Images posted with the reviews can provide cues to identify complaints better, thus emphasizing the importance of incorporating multi-modal inputs into the process. Furthermore, the customer's emotional state significantly impacts the complaint expression since emotions generally influence any speech act. As a result, the impact of emotion and sentiment on automatic complaint identification must also be investigated. One of the major contributions of this work is the creation of a new dataset- Complaint, Emotion, and Sentiment Annotated Multi-modal Amazon Reviews Dataset (CESAMARD), a collection of opinionated texts (reviews) and images of the products posted on the website of the retail giant Amazon. We present an attention-based multi-modal, adversarial multi-task deep neural network model for complaint detection to demonstrate the utility of the multi-modal dataset. Experimental results indicate that the multi-modality and multi-tasking complaint identification outperforms uni-modal and single-task variants.

Sentiment and Emotion-Aware Multi-Modal Complaint Identification

Recent social networks' misinformation mitigation approaches tend to investigate how to reduce misinformation by considering a whole-network statistical scale. However, unbalanced misinformation exposures among individuals urge to study fair allocation of mitigation resources. Moreover, the network has random dynamics which change over time. Therefore, we introduce a stochastic and non-stationary knapsack problem, and we apply its resolution to mitigate misinformation in social network campaigns. We further propose a generic misinformation mitigation algorithm that is robust to different social networks' misinformation statistics, allowing a promising impact in real-world scenarios. A novel loss function ensures fair mitigation among users. We achieve fairness by intelligently allocating a mitigation incentivization budget to the knapsack, and optimizing the loss function. To this end, a team of Learning Automata (LA) drives the budget allocation. Each LA is associated with a user and learns to minimize its exposure to misinformation by performing a non-stationary and stochastic walk over its state space. Our results show how our LA-based method is robust and outperforms similar misinformation mitigation methods in how the mitigation is fairly influencing the network users.

Socially Fair Mitigation of Misinformation on Social Networks via Constraint Stochastic Optimization

My doctoral research focuses on understanding semantic knowledge in neural network models trained solely to predict natural language (referred to as language models, or LMs), by drawing on insights from the study of concepts and categories grounded in cognitive science. I propose a framework inspired by 'inductive reasoning,' a phenomenon that sheds light on how humans utilize background knowledge to make inductive leaps and generalize from new pieces of information about concepts and their properties. Drawing from experiments that study inductive reasoning, I propose to analyze semantic inductive generalization in LMs using phenomena observed in human-induction literature, investigate inductive behavior on tasks such as implicit reasoning and emergent feature recognition, and analyze and relate induction dynamics to the learned conceptual representation space.

On Semantic Cognition, Inductive Generalization, and Language Models

Artificial Intelligence has aimed to give the systems or agents, the ability to learn, perceive, recognize, plan, reason and act. Affective Computing has brought into focus the importance of giving AI systems, the capability to perceive, detect, utilize and generate emotion, affect, sentiment or feelings. To have a meaningful human-computer interaction, we need to design and develop a more socially intelligent and affective AI. My doctoral research goal is to delve deeper into some of these aspects, firstly by surveying computational models implemented in AI that uses emotion in decision-making or behaviour; secondly, by creating new model to predict social event context and affect in group videos; thirdly, to predict the social identities in visual scenes; and lastly to combine information about context, identities, behaviour and emotion in a social interaction scene to predict social incoherence and to recommend appropriate behaviour.

Socially Intelligent Affective AI

Named Entity Recognition models perform well on benchmark datasets but fail to generalize well even in the same domain. The goal of my th    esis is to quantify the degree of in-domain generalization in NER, probe models for entity name vs. context learning and finally improve     their robustness, focusing on the recognition of ethnically diverse entities and new entities over time when the models are deployed.

Towards Robust Named Entity Recognition via Temporal Domain Adaptation and Entity Context Understanding

The entertainment industry, as well as the field of Computer Graphics, frequently faces the issue of creating large virtual crowds that would populate a scene. One of the ways to achieve that, particularly with modern rendering techniques, is by using simulation -- this, however, is nontrivial to design and control. The main goal of my PhD work is working towards the creation of a tool enabling the creation of virtual crowds that one can interact with, and we believe the best way to that is through Multiagent Reinforcement Learning techniques. These animated crowds can then be used both in movies and video games. Especially for the latter, it is highly desirable that both the crowd as a whole, as well as the individual characters, can react to the user's input in real time.

Creating Interactive Crowds with Reinforcement Learning

This study focuses on the Nesterov's accelerated quasi-Newton (NAQ) method in the context of deep neural networks (DNN) and its applications. The thesis objective is to confirm the robustness and efficiency of Nesterov's acceleration to quasi-Netwon (QN) methods by developing practical algorithms for different fields of optimization problems.

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