Large language models (LLMs)-based chatbots are increasingly being adopted in the financial domain, particularly in digital banking, to handle customer inquiries about products such as deposits, savings, and loans. However, these models still exhibit low accuracy in core banking computations—including total payout estimation, comparison of products with varying interest rates, and interest calculation under early repayment conditions. Such tasks require multi-step numerical reasoning and contextual understanding of banking products, yet existing LLMs often make systematic errors—misinterpreting product types, applying conditions incorrectly, or failing basic calculations involving exponents and geometric progressions. However, such errors have rarely been captured by existing benchmarks. Mathematical datasets focus on fundamental math problems, whereas financial benchmarks primarily target financial documents, leaving everyday banking scenarios underexplored. To address this limitation, we propose BankMathBench, a domain-specific dataset that reflects realistic banking tasks. BankMathBench is organized in three levels of difficulty—basic, intermediate, and advanced—corresponding to single-product reasoning, multi-product comparison, and multi-condition scenarios, respectively. When trained on BankMathBench, open-source LLMs exhibited notable improvements in both formula generation and numerical reasoning accuracy, demonstrating the dataset’s effectiveness in enhancing domain-specific reasoning. With tool-augmented fine-tuning, the models achieved average accuracy increases of 57.6%p (basic), 75.1%p (intermediate), and 62.9%p (advanced), representing significant gains over zero-shot baselines. These findings highlight BankMathBench as a reliable benchmark for evaluating and advancing LLMs’ numerical reasoning in real-world banking scenarios.

Despite advances in safety alignment, large language models remain vulnerable to continuously evolving jailbreaks. Existing fine-tuned safety classifiers cannot adapt to these evolving attacks, while adaptive memory-based guardrails tend to over-refuse benign queries that resemble stored attacks. We propose Membrane, a self-evolving guardrail built on Contrastive Safety Memory (CSM): each cell pairs the conditions for blocking a harmful query with those for permitting a superficially similar benign request. Without retraining, Membrane evolves CSM by distilling each harmful interaction and its benign counterpart into a contrastive cell indexed by the underlying attack strategy, so that one cell generalizes across topical variants of the same mechanism. At inference, retrieved cells serve as grounding context for precise safety decisions. Across model-level safety on HarmBench and agent-level safety on AgentHarm, Membrane achieves the highest F1 on all six modern jailbreak attacks. Notably, benign refusal on AgentHarm stays at 7-14%, well below the 28-85% range of prior guards. Memory cells also retain 87-88% F1 under cross-attack transfer and remain stable under memory poisoning.

Financial Large Language Models (LLMs) exhibit strong domain expertise but remain vulnerable to financially harmful prompts. To systematically assess this vulnerability, we introduce FinHarmBench, a benchmark designed to evaluate financially harmful and confusable benign prompts. Our analysis reveals a concerning result that financial LLMs can be less robust than general-purpose models, suggesting that domain adaptation alone does not guarantee financial safety alignment. To address this issue, we propose Financial Refusal Steering Distillation (FiRSD), an unsupervised training framework that strengthens financial-domain safety by learning and distilling a financial refusal direction at the representation level. FiRSD enhances refusal behavior without requiring annotated refusal responses. Experiments show that FiRSD substantially improves safety while largely preserving task capability. These results highlight the importance of domain-aware safety alignment for high-stakes financial applications.