Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Affirm, Inc. proudly includes Affirm, PayBright, and Returnly. Affirm's Machine Learning team solves problems critical to our business model - personalizing shopping experiences, detecting fraud, optimizing interest rates, and assessing creditworthiness in real time. Our innovative products necessitate the creation of novel machine learning solutions to drive both existing and new products. Affirm is proud to be a remote-first company!

Ukraine is using facial recognition software to identify the bodies of Russian soldiers killed in combat and to trace their families to inform them of their deaths, Ukraine's vice prime minister has said. Reuters exclusively reported that Ukraine's Ministry of Defense began this month to use technology from Clearview AI, a New York-based facial recognition provider that finds images on the web that match faces from uploaded photos. It was not clear at that time how the technology would be used. Mykhailo Fedorov, Ukraine's vice prime minister who also runs the ministry of digital transformation, said Ukraine had been using Clearview AI software to find the social media accounts of dead Russian soldiers. From there, authorities are messaging relatives to make arrangements to collect the body, he said.

Named entity recognition (NER) is the process of recognising and classifying important information (entities) in text. Proper nouns, such as a person's name, an organization's name, or a location's name, are examples of entities. The NER is one of the important modules in applications like human resources, customer support, search engines, content classification, and academia. In this work, we consider NER for low-resource Indian languages like Hindi and Marathi. The transformer-based models have been widely used for NER tasks. We consider different variations of BERT like base-BERT, RoBERTa, and AlBERT and benchmark them on publicly available Hindi and Marathi NER datasets. We provide an exhaustive comparison of different monolingual and multilingual transformer-based models and establish simple baselines currently missing in the literature. We show that the monolingual MahaRoBERTa model performs the best for Marathi NER whereas the multilingual XLM-RoBERTa performs the best for Hindi NER. We also perform cross-language evaluation and present mixed observations.

Research in multi-agent teaming has increased substantially over recent years, with knowledge-based systems to support teaming processes typically focused on delivering functional (communicative) solutions for a team to act meaningfully in response to direction. Enabling humans to effectively interact and team with a swarm of autonomous cognitive agents is an open research challenge in Human-Swarm Teaming research, partially due to the focus on developing the enabling architectures to support these systems. Typically, bi-directional transparency and shared semantic understanding between agents has not prioritised a designed mechanism in Human-Swarm Teaming, potentially limiting how a human and a swarm team can share understanding and information\textemdash data through concepts and contexts\textemdash to achieve a goal. To address this, we provide a formal knowledge representation design that enables the swarm Artificial Intelligence to reason about its environment and system, ultimately achieving a shared goal. We propose the Ontology for Generalised Multi-Agent Teaming, Onto4MAT, to enable more effective teaming between humans and teams through the biologically-inspired approach of shepherding.

The right to be forgotten has been legislated in many countries, but its enforcement in the AI industry would cause unbearable costs. When single data deletion requests come, companies may need to delete the whole models learned with massive resources. Existing works propose methods to remove knowledge learned from data for explicitly parameterized models, which however are not appliable to the sampling-based Bayesian inference, i.e., Markov chain Monte Carlo (MCMC), as MCMC can only infer implicit distributions. In this paper, we propose the first machine unlearning algorithm for MCMC. We first convert the MCMC unlearning problem into an explicit optimization problem. Based on this problem conversion, an MCMC influence function is designed to provably characterize the learned knowledge from data, which then delivers the MCMC unlearning algorithm. Theoretical analysis shows that MCMC unlearning would not compromise the generalizability of the MCMC models. Experiments on Gaussian mixture models and Bayesian neural networks confirm the effectiveness of the proposed algorithm. "The right to be forgotten" refers to the right of individuals to request data controllers such as tech giants to delete the data collected from them. It has been recognized in many countries through legislation, including the European Union's General Data Protection Regulation (2016) and the California Consumer Privacy Act (2018).

Deep neural networks (DNNs) have been successfully applied to many real-world problems, but a complete understanding of their dynamical and computational principles is still lacking. Conventional theoretical frameworks for analysing DNNs often assume random networks with coupling weights obeying Gaussian statistics. However, non-Gaussian, heavy-tailed coupling is a ubiquitous phenomenon in DNNs. Here, by weaving together theories of heavy-tailed random matrices and non-equilibrium statistical physics, we develop a new type of mean field theory for DNNs which predicts that heavy-tailed weights enable the emergence of an extended critical regime without fine-tuning parameters. In this extended critical regime, DNNs exhibit rich and complex propagation dynamics across layers. We further elucidate that the extended criticality endows DNNs with profound computational advantages: balancing the contraction as well as expansion of internal neural representations and speeding up training processes, hence providing a theoretical guide for the design of efficient neural architectures.

We discuss an approach to probabilistic forecasting based on two chained machine-learning steps: a dimensional reduction step that learns a reduction map of predictor information to a low-dimensional space in a manner designed to preserve information about forecast quantities; and a density estimation step that uses the probabilistic machine learning technique of normalizing flows to compute the joint probability density of reduced predictors and forecast quantities. This joint density is then renormalized to produce the conditional forecast distribution. In this method, probabilistic calibration testing plays the role of a regularization procedure, preventing overfitting in the second step, while effective dimensional reduction from the first step is the source of forecast sharpness. We verify the method using a 22-year 1-hour cadence time series of Weather Research and Forecasting (WRF) simulation data of surface wind on a grid.

Investigators from Cedars-Sinai have created an artificial intelligence-enabled tool that may make it easier to predict if a person will have a heart attack. The tool, described in The Lancet Digital Health, accurately predicted which patients would experience a heart attack in five years based on the amount and composition of plaque in arteries that supply blood to the heart. Plaque buildup can cause arteries to narrow, which makes it difficult for blood to get to the heart, increasing the likelihood of a heart attack. A medical test called a coronary computed tomography angiography (CTA) takes 3-D images of the heart and arteries and can give doctors an estimate of how much a patient's arteries have narrowed. Until now, however, there has not been a simple, automated and rapid way to measure the plaque visible in the CTA images.

Developed by a team at Cedars-Sinai, the novel AI technology can accurately forecast early signs of a heart attack, predicting which patients will experience a heart attack in five years based on the level and composition of plaque in arteries that supply the heart with blood. The findings of the team's research, which was funded by the National Heart, Lung, and Blood Institute, are published in The Lancet Digital Health. When plaque builds up, it can result in a narrowing of the arteries, making it more challenging for blood to be transported to the heart, which increases the chances of a heart attack. Traditionally, health professionals employ a medical test called coronary computed tomography angiography (CTA) to capture 3D images of the heart and arteries, which gives the doctors an estimate of how much a patient's arteries have narrowed. However, until now, there has not been an efficient, automated, and rapid method for measuring the plaque shown in the CTA images.

A team of researchers at the University of South Australia has reverse engineered the visual systems of hoverflies to detect drones from nearly four kilometers away. The autonomous systems experts at the university worked alongside others at Flinders University and defense company Midspar Systems.