Digital Commons Network^™

Reimagining Compliance: Explainable Ai Models For Financial Regulatory Audits, Hrishikesh Desai

Faculty Publications

This chapter develops an analytical model for Explainable AI (XAI) designed to support major types of banking regulatory compliance audits. Financial institutions increasingly rely on AI for efficiency in compliance tasks, but the opacity of complex models creates challenges in meeting regulatory transparency requirements. The proposed mathematical framework incorporates explainability as a quantifiable constraint in the optimization of AI models across five critical audit categories: CAMELS examinations, BSA/AML compliance, Consumer Compliance, IT Audits, and Internal Audits. By quantifying explainability through information- theoretic measures and Shapley values, the model balances predictive performance with regulatory requirements. The methodology is validated through a …

The Importance Of Fauna-Mediated Sediment O2 Consumption In The Ngom Hypoxic Zone, Hannah Beck, Kanchan Maiti

Faculty Publications

The northern Gulf of Mexico (NGOM) coastal shelf adjacent to the Mississippi and Atchafalaya rivers system experiences strong seasonal hypoxia in the late summer and coupled physical-biological models suggest that hypoxia formation in the NGOM is sensitive to benthic biogeochemical processes. However, the processes driving sediment oxygen consumption and their relationship to bottom oxygen concentration remain enigmatic. This study for the first time concurrently measured in situ total oxygen uptake (TOU) and diffusive oxygen uptake (DOU) during two different hypoxia seasons. The relatively large DOU: TOU ratio of 0.33 ± 0.07 observed during this study suggests more significant benthic infauna …

Indirect Effects And Context Dependency In Stream Fish Invasions, William K. Annis, Lily M. Thompson, Stephen R. Midway, Julian D. Olden, Brandon K. Peoples

Faculty Publications

Aim: Invasion ecology is replete with a body of well-supported yet contradictory evidence for numerous invasion hypotheses, likely as a result of context dependency. Context dependency in invasion studies can arise in two ways: (1) apparent, when results differ between studies solely due to methodical differences, or (2) mechanistic, when results truly differ due to ecological processes. One form of apparent context dependency occurs when causally linked factors associated with invasion success (hereafter, invasion drivers) either mask or enhance each other's effect on invasion success. Mechanistic context dependency can occur when regional scale processes modify the influence of local scale …

Future Climate Projections For Louisiana And Mississippi Using Wrf: Are Extreme Heat And Precipitation Events Intensifying?, Zuhayr S. Ishmam, Robert V. Rohli, Paul Miller

Faculty Publications

General circulation models (GCMs) lack the spatial resolution to capture the atmospheric and land-surface processes that shape regional climate. Regional climate models (RCMs) better resolve the interactions between large-scale weather patterns and local terrain. This study uses the Weather Research and Forecasting (WRF) model to perform high-resolution (12-km) dynamical downscaling for Louisiana and Mississippi over a historical (1996–2005) and a future (2090–2099) time span, forced by NCAR’s Community Earth System Model, version 1 (CESM1). Model performance was evaluated for the 1996–2005 period against atmospheric reanalysis and station observations, showing better skill for temperature than precipitation. Seasonal evaluation (winter: Dec-Feb; spring: …

Flood Risk And Mitigation Calculator Tool To Support Decision-Making For Enhancing Community Resilience: A Case Study Of The U.S.A. Gulf Coastal Region, Rubayet Bin Mostafiz, Ayat Al Assi, Arash Taghinezhad, Carol J. Friedland, Robert V. Rohli, Md Adilur Rahim, Christopher T. Emrich, Melanie Gall, Eric Johnson

Faculty Publications

Real-estate websites make it easy to find and access information about a home. Information on property value, square footage, number of rooms, quality of schools, crime rates, and more is readily available. Some of these platforms have begun integrating climate-related risks in generic ways. However, this information provides limited if any actionable value and is unlikely to guide people’s decision-making on buying or renting a home, deciding where to vacation, or investing in a property. Making residents aware of the natural hazard risks to which their homes may be exposed is an important component of making communities more resilient. Both …

Trajectory Of Coastal Wetland Soil Physical And Microbial Properties 6+ Years After Thin Layer Placement Sediment Amendment, Jacob Z. Cheng, Jacob F. Berkowitz, John R. White

Faculty Publications

The intentional thin layer placement (TLP) of dredged sediment is an increasingly popular approach to maintaining marsh elevation and restoring degraded marshes, which can improve conditions for vegetation establishment. Prior TLP restoration projects, assessed shortly after construction, evaluated soil, hydrology, plant, and faunal responses. However, few long-term studies (>3 yrs) investigate TLP-induced shifts in soil properties and especially properties related to biogeochemical cycling. In response, this study revisited a salt marsh 6+ years after TLP restoration and determined both soil physiochemical and microbial properties related to plant growth (nitrogen (N) mineralization) and water quality improvement (denitrification). Data were compared …

The Impact Of Seasonal Hydrological Disturbances On The Presence And Formation Of Toxic Cyanobacteria Blooms In Coastal Louisiana, Courtney Nicole Hammond, Sibel Bargu, Caitlin R.R. Turner, Matthew Hiatt, John R. White

Faculty Publications

Estuaries in the Gulf, especially Lake Pontchartrain Estuary in southeastern Louisiana, USA, are experiencing significant changes due to climate change and coastal restoration efforts. Lake Pontchartrain Estuary receives nutrient-rich Mississippi River water through a controlled diversion called Bonnet Carré Spillway (BCS), which has been associated with toxic cyanobacterial blooms (cyanoHABs). This study examines the seasonal factors influencing cyanoHABs in the Lake Pontchartrain Estuary when the BCS is closed, addressing gaps in the understanding of HABs related to other physical drivers. Field samples collected in 2021, during the closure of the spillway, revealed significant evidence of seasonal variations in cyanoHAB formation. …

Corrigendum: Diatom Transcriptional And Physiological Responses To Changes In Iron Bioavailability Across Ocean Provinces (Frontiers In Marine Science, (2017), 4, (360), 10.3389/Fmars.2017.00360), Natalie R. Cohen, Kelsey A. Ellis, Robert H. Lampe, Heather Mcnair, Benjamin S. Twining, Maria T. Maldonado, Mark A. Brzezinski, Fedor I. Kuzminov, Kimberlee Thamatrakoln, Claire P. Till, Kenneth W. Bruland, William G. Sunda, Sibel Bargu, Adrian Marchetti

Faculty Publications

In the published article, there was an error in Figure 3 as published. The initial (T0) phytoplankton community composition at site C2 was incorrectly displayed, with prasinophytes erroneously appearing as relatively abundant taxa. The corrected Figure 3 appears below. The average transcript proportions of phytoplankton taxa (outer charts) and diatom genera (inner charts) from initial seawater (T0) and during the first time point (T1; see Supplementary Table 1) within the Fe addition (Fe) and DFB addition (DFB) treatments at each site. Note that for site O5, the T2 control (Ctl) treatment is provided as the Fe-limited comparison. A text correction …

Photogrammetric Determination Of Movement Speed Of Invasive Indo-Pacific Lionfish In The Florida Keys, Neal Kolonay, Cassandra N. Glaspie

Faculty Publications

As a key determinant of how efficiently lionfish (Pterois sp.) locate and capture prey, swimming speed plays a crucial role in shaping the predator-prey interactions and broader ecological dynamics within the invaded ecosystems. Swimming speed on a small temporal and spatial scale is difficult to measure because of the need for precise measurements of both distance and duration of the behavior. Using photogrammetry by way of stereo-camera setups is ideal for analyzing the minutiae of lionfish behaviors because it can include the benefits of remote video traps coupled with precise measurements of movements in three-dimensional space and time. The primary …

Comparison Of Two Benthic Assemblage Sampling Gears For Use On Intertidal Oyster Reefs In Louisiana, Finella M. Campanino, Stephanie K. Archer, Jillian C. Tupitza, Cassandra N. Glaspie, Megan K. La Peyre

Faculty Publications

Background: Estuarine biodiversity plays a vital role in supporting ecosystem functions yet remains threatened by climate change and anthropogenic activity. Tracking and identifying estuarine biodiversity trends helps management ensure long-term provisions of human and environmental benefits by contributing to the estimation of habitat loss and the monitoring of restoration and conservation progress. However, results obtained using different sampling gears and different biodiversity metrics may lead researchers to reach different conclusions, which can lead to uncertainty in the actual state of the ecosystem-level biodiversity. Sampling benthic biodiversity in complex estuarine habitats, such as oyster reefs, is particularly challenging because no one …

The Excessive Fines Clause In The Federal Courts: A Quarter-Century Of Narrowing, Michael M. O'Hear

Faculty Publications

The Eighth Amendment prohibits “excessive fines,” but what exactly does “excessive” mean? The question has taken on some urgency in recent years as American legislatures have sharply increased the economic penalties associated with criminal convictions. In 1998, in United States v. Bajakajian, the Supreme Court for the first time established a test of sorts to determine whether an economic penalty is “excessive” in violation of the Eighth Amendment. The test was not without its ambiguities but offered some potentially robust protection against the rising tide of fines, fees, forfeiture, and restitution. However, the promise of Bajakajian has been undermined …

Housing Sexual Harassment: A Department Of Justice Case Study, Rigel C. Oliveri

Faculty Publications

Sexual harassment in housing-when tenants or prospective tenants are sexually harassed by their landlords, housing providers, or other people associated with their housing-is a clear national problem. In 2019 the Department of Justice (DOJ) and the Department of Housing and Urban Development (HUD) announced an initiative to bring attention to this issue, as well as a shared commitment to increased enforcement against harassers.

This enforcement push provides an opportunity for study. In particular, there are now a significant number of complaints and other litigation documents posted to the DOJ's website that provide a convenient and robust sample for analysis. The …

A Silence After Slaughter-House: Nineteenth-Century State Constitutional Substantive Rights, Liberties, And Privileges, Charles W. "Rocky" Rhodes

Faculty Publications

In rejecting federal constitutional challenges to the Louisiana legislature’s exclusive butchering grant in the Slaughter-House Cases, the United States Supreme Court opined that it was the states’ obligation to protect fundamental privileges, such as rights to acquire and possess property, engage in trade and commerce, and pursue happiness, subject only to those restraints necessary for the public good. But the states met this charge with silence. State courts across the nation consistently parroted Slaughter-House’s reasoning, even while occasionally acknowledging the decision did not bind their interpretation of state constitutional provisions guaranteeing fundamental rights, liberties, privileges, and immunities. Although two states …

Comparative Lessons For Enhancing Representation In The U.S. Judiciary - And Countering Democratic Decline, Shruti Rana

Faculty Publications

At this precarious moment for democratic institutions and the rule of law in the United States, this Essay draws upon efforts to build more representative judiciaries in other countries and in international fora to identify promising strategies for enhancing representation in the U.S. judiciary, particularly with respect to gender and parity. 23 It argues that efforts to enhance judicial representation and parity in the United States could benefit from incorporating and building upon international legal principles and the practices of international courts, institutions, and organizations with respect to parity and representation. Crucially, at the same time, efforts to ensure greater …

Evergreening's Empirical Chasm, Erika Lietzan

Faculty Publications

For more than two decades, policymakers have been told that pharmaceutical innovators companies engage in a practice that is called, disparagingly, “evergreening.” The basic idea is that companies introduce new versions of their drugs that have later expiring patents or regulatory exclusivity. This way, the claim goes, the companies effectively block generic entry for years or decades longer than Congress intended and than is socially desirable. Initially these claims were supported by poorly researched anecdotes. In the last decade, some scholars and advocacy organizations have published papers that purport to provide empirical support for the “evergreening” accusation. But these empirical …

Tax Base Diversification As An Enforcement Tool, David Gamage, Brian Galle, Yulia Kuchumova

Faculty Publications

We examine when it is optimal to employ sales or VAT-type taxes as complements to a labor income tax. We find a Ramsey-type result in which each tax instrument should be imposed in inverse proportion to the combined elasticity of real and avoidance responses to the respective tax. Contrary to some prior results, we find that sales-type taxes are optimally non-zero across a variety of settings, and in particular when the (weighted) elasticity of taxable income with respect to the wage tax is greater than the cross-elasticity of taxable income with respect to the sales tax. We argue this parameter …

303 Creative, Exclusive Private Enforcement, And Blue-State Revenge, Charles W. "Rocky" Rhodes, Howard W. Wasserman

Faculty Publications

Red states have made exclusive private enforcement schemes targeting locally unpopular but constitutionally protected conduct a cornerstone of culture-war legal strategy. Laws such the Texas Heartbeat Act (“S.B. 8”) in 2021 and anti-“WOKE” laws forego public enforcement in favor of private enforcement; this precludes federal rights-holders from vindicating their rights through pre-enforcement offensive litigation in federal court against the government or government officials responsible for enforcing the law. This threatens rights-holders with defending a state-court wave of costly and burdensome litigation to adjudicate the law’s constitutional validity.

Blue states and liberal scholars and advocates have sought a progressive counterpart targeting …

Abuse Of Contract: Boilerplate Erasure Of Consumer Counterparty Rights, Andrea Boyack

Faculty Publications

Contract law and the new Restatement of the Law of Consumer Contracts generally treats the entirety of a company’s boilerplate as presumptively binding. Entrusting the content of consumer contracts to companies creates a fertile legal habitat for abuse through boilerplate design.

There is no consensus on how widespread or severe abuse of contract is. Some consumer law scholars have warned of dangers inherent in granting companies unrestrained power to sneak waivers into their online terms, but others contend that market forces adequately constrain potential abuse. On the other hand, in the absence of adequate consumer knowledge and power, market competition …

Exploring Rubrics And Ai, Beth Bailey

Faculty Publications

In the evolving landscape of educational assessment, rubrics have long been considered essential tools that bridge the gap between subjective evaluation and objective measurement of student performance (Bean, 2011). As educational institutions increasingly embrace digital learning environments, the integration of artificial intelligence (AI) tools in rubric development can represent a significant advancement in assessment methodology. This paper explores the fundamental principles of rubric design, examines various types of rubrics, and investigates how AI tools can enhance the creation and implementation of effective assessment instruments.

The importance of clear, consistent, and fair assessment cannot be overstated in educational contexts. Rubrics serve …

The Efficacy And Usability Of Motivational Interviewing Just-In-Time Trainings For Youth Mentors, Mackenzie J. Hart, Samuel D. Mcquillin, Aidyn Iachini Ph.D., Msw, Lsw, Daniel K. Cooper, Mark D. Weist

Faculty Publications

Using youth mentors to deliver evidence-based psychosocial services has been proposed to increase the reach of treatments, in part given the affordability and ubiquity of mentors in youth settings. Further, tests of mentor-delivered motivational interviewing (MI) have shown increases in youth mentees' academic performance and wellbeing. Yet, traditional methods of training mentors to use MI can be costly and time-consuming. Previous work has suggested the value of asynchronous, brief, just-in-time training (JITT) to help offset these challenges; however, MI JITT for mentors has not yet been formally evaluated. As such, here, we report on a preliminary study of MI JITT …

The Identity Factor, Jessica Feinberg

Faculty Publications

Identity development is one of the most important processes that occur during childhood. For certain populations of children, such as those who are LGBTQ+ or multiracial, the path to healthy identity development is substantially more complicated. These children must navigate the development of their identities while existing in a world in which they will frequently encounter a lack of societal understanding and acceptance. Children within these populations face elevated risks of short- and long-term harms, including suicidal ideation, depression, substance abuse, and low self-esteem. As a result, it is critically important that LGBTQ+ and multiracial youth receive support in developing …

Cfl Learners’ Real-Time Processing Of Chinese Radicals: An Eye-Tracking Study, Yihsuan Wood, Jeffrey Jack Green, Ellen Knell, Yu Liu

Faculty Publications

This study used eye-tracking to investigate the real-time processing of phonetic and semantic radicals (components of Chinese characters that give clues to their pronunciation and meaning) by intermediate-level university Chinese foreign language (CFL) learners. Additionally, the study examined how knowledge and awareness of radicals affect real time character processing. Real-time radical processing involves identifying radicals and understanding their phonetic or semantic roles, while real-time character processing includes recognizing radicals and instantly comprehending entire characters’ meanings and pronunciations. This study’s first task focuses on radical processing, where CFL learners use radical knowledge to interpret multiple characters simultaneously. The second task extends …

Discriminating Alignment In The Innovation Sphere, Juliet P. Kostritsky

Faculty Publications

Contracts play an important role in innovation. As a result, some. scholars have proposed theories highlighting contract provisions as devices that can serve to informally enforce agreements and build trust between parties. Others emphasize the hierarchical provisions between firms to promote efficiency. Yet another group views these agreements as a mechanism to institutionalize learning and protect property interests. This Article offers a new theory. To understand a firm’s contractual choices and governance, we must look at how the same provisions in different contracts may have distinct meanings or operate differently in different contexts. So, scholars must give context to these …

Causation's Due Process Dimensions, Cassandra Burke Robertson, Charles W. "Rocky" Rhodes

Faculty Publications

For decades, courts have grappled with the tension between compensating victims of mass harms and maintaining fairness to defendants when causation is difficult to prove. This Article argues that the Supreme Court’s due process jurisprudence provides a relevant framework for navigating this tension. We contend that the Court over the last three decades has established a consistent Fourteenth Amendment due process approach in punitive damages and personal jurisdiction cases, which is rooted in antecedents tracing to the nineteenth century and relies on a nexus of interests that balances individual rights, state interests, and federalism concerns. This framework, we argue, has …

Money Moves: Taxing The Wealthy At The State Level, David Gamage, Brian D. Galle, Darien Shanske

Faculty Publications

It's widely understood today that inequality is a major social problem that in turn contributes to other crises. By most accounts, tax systems are supposed to be our engines of equality. Yet in today’s United States, state and local tax systems mostly do the opposite: they take a greater percentage of the resources of the poor and middle class than of the rich.

Perhaps surprisingly, the traditional view among fiscal policy experts has been that this state of affairs is correct. In this standard account, only national governments should impose progressive or redistributive taxes. While acknowledging that there would be …

The Gift Of Exit Financing, Robert W. Miller

Faculty Publications

Aggressive liability management exercises have spilled over into bankruptcy court and exit financing is often the prize in the center of the arena. Debtors no longer rely upon gifting, the traditional strategy for buying plan support. Instead, they can replicate gifting's benefits in a more defensible package by funneling discounted subscription rights to chosen constituencies as part of exit financing.

Recognizing exit financing's distortive power, courts responded by evaluating the quality of negotiations and reviewing precedent transactions. Meanwhile, commentators suggest heightened monitoring and informal guardrails. All of these approaches ignore the shortcomings of judicial valuation. Market testing is the only …

Reflections On The Importance Of Critical Theory To Teaching Environmental Law, Sean Kammer

Faculty Publications

The freedom of students to learn about critical approaches to understanding their world is under sustained political attack. In this time of increasing environmental peril and political dysfunction, Professor Sean M. Kammer reflects upon the importance of critical theory (including Critical Race Theory) to understanding—and ultimately redressing—the related problems of resource scarcity and environmental degradation. While these problems can surely be described in terms of “economic inefficiencies” or “ecological disturbances,” as they most often are, they must also be understood (and taught) as problems of colonial exploitation and violence. For example, one cannot understand Justice John Marshall’s discovery doctrine or …

Testing The Effect Of Speech Separation On Vowel Formant Estimates, Joseph A. Stanley, Lisa Morgan Johnson, Earl Kjar Brown

Faculty Publications

While recent advances in sociophonetic data processing have made it possible to analyze large datasets and audio not originally intended for linguistic analysis, overlapping speech in recordings with multiple speakers continues to be an issue that results in lost data. We evaluate whether current source separation models produce audio that is clean enough to produce reliable measurements for sociophonetic analysis. We compare formant estimates from a pair of pristine recordings and merged-and-separated versions of those same recordings using the Libri2mix, Whamr16K, and WSJ02mix source separation models. Based on auditory inspection of the separated files, visualization of vowel formant estimates, and …

Adventist Education, Educational Attainment, Belief In The Spirit Of Prophecy: A Trifold Relationship, Safary Wa-Mbaleka, Karl Bailey

Faculty Publications

No abstract provided.

International Society Of Sports Nutrition Position Stand: Nutritional Concerns Of The Female Athlete, Ralf Jäger, Jeffery L. Heileson, Sidney Abou Sawan, Broderick L. Dickerson, Megan Leonard, Richard B. Kreider, Chad M. Kerksick, Stephen M. Cornish, Darren G. Candow, Dean M. Cordingley, Scott C. Forbes, Grant M. Tinsley, Tindaro Bongiovanni, Roberto Cannataro, Bill I. Campbell, Shawn M. Arent Ph.D., Cscs*D, Fissn, Facsm, Fnak, Jeffrey R. Stout, Douglas S. Kalman, Jose Antonio

Faculty Publications

Position Statement: The International Society of Sports Nutrition (ISSN) presents this position based on a critical examination of the literature surrounding the effects of long-chain omega-3 polyunsaturated fatty acid (ω-3 PUFA) supplementation on exercise performance, recovery, and brain health. This position stand is intended to provide a scientific foundation for athletes, dietitians, trainers, and other practitioners regarding the effects of supplemental ω-3 PUFA in healthy and athletic populations. The following conclusions represent the official position of the ISSN: Athletes may be at a higher risk for ω-3 PUFA insufficiency. Diets rich in ω-3 PUFA, including supplements, are effective strategies for …