Research program · Trustworthy machine learning

Building trustworthy machine learning for real-world deployment

Modern AI systems achieve excellent benchmark performance, yet fail in structured, predictable ways once deployed. I build the audits that expose those failures — across clinical risk, lending, language, and markets — and the evaluation infrastructure that anticipates them.

Research vision

A model can be accurate, and the decision it drives can still be unfair, miscalibrated, and invalid for the people it meets in deployment. My research asks the question benchmarks skip: not “is it accurate?” but “does the decision remain fair, calibrated, externally valid, private, and economically deployable — under real constraints?”

  • External validitydoes it survive a new population?
  • Subgroup fairnesswho pays for the average?
  • Calibrationare the probabilities honest?
  • Shift diagnosiswhich failure, before labels arrive?
  • Deployment disciplinewhen should the gate stay closed?

Flagship research · Under review — Applied Intelligence

TrustShift

One pre-registered audit across four dissimilar domains: the type of distribution shift — not its magnitude — determines which axis of trustworthiness fails at deployment.

  1. 01Deploymentmodel meets a shifted world
  2. 02Diagnosis3 label-free shift probes
  3. 03Failure taxonomywhich axis breaks, and why
  4. 04Audit → remediationrecalibrate · reweight · retrain
Four domains — clinical · mental-health NLP · lending · network security — one pre-registered protocol

The claim

Shift type, not shift magnitude, predicts which trustworthiness axis degrades — and the responsible shift type is diagnosable in advance from unlabeled data, mapping each diagnosis to the appropriate remediation: recalibration, reweighting, or retraining.

  • 4domains, one pre-registered protocol
  • 3label-free shift probes
  • N=2000bootstrap CIs, BH-FDR controlled
  • exit 0full pipeline re-run, byte-identical tables

Research trajectory

Every question was earned by the one before it

  1. Early 2025Healthcare AI

    Does a model that passes internal validation survive a new population?

    Clinical ML meets external validation

    Diabetes risk models built on NHANES are stress-tested on 1.28M BRFSS records. External AUC falls 9.7% — and the elderly lose the most. First evidence that the benchmark hides the failure.

  2. 2025Federated Learning

    Can privacy-preserving training also be fair, calibrated, and generalisable?

    Privacy joins the audit

    The same clinical problem, restructured across heterogeneous hospital nodes. Federated training generalises better than centralized — but differential privacy collapses at realistic budgets. Four axes, audited together.

  3. 2025NLP · Fairness

    Does fairness itself survive when the deployment platform changes?

    Fairness fails under platform shift

    Mental-health classifiers at AUC 0.98 collapse on Reddit and Twitter — calibration, equity, and even the models' explanations degrade. The audit grows a fifth axis: attribution stability.

  4. 2025–2026Causal Inference

    Who actually bears an average disparity — and through what mechanism?

    Causal structure of a 42M-application gap

    Mortgage lending at national scale: the racial approval gap is quantified, bounded, and traced to a lender-controlled mechanism — manual underwriting more than doubles the penalty of automated systems.

  5. 2026LLM Evaluation

    Can frontier LLMs reason over a non-Western regulatory rulebook?

    LLMs meet an underrepresented jurisdiction

    IndiaFinBench: 406 expert-annotated questions over SEBI/RBI regulation. Numerical reasoning splits frontier models by 36 points. Evaluation infrastructure becomes a public artifact.

  6. 2026Deployment Gates

    Should a model be deployed when it cannot prove predictive skill?

    The discipline to say no

    A statistical deployment gate for financial ML stays closed across all 12 folds — published as a null result. The model stays near-perfectly calibrated with zero predictive skill — calibration is not deployment readiness.

  7. Mid 2026Capstone

    Is deployment failure predictable before it happens?

    TrustShift — the program becomes a theory

    One pre-registered protocol across clinical, NLP, lending, and security domains: shift type, not shift magnitude, determines which trustworthiness axis fails — and cheap label-free probes can diagnose it in advance.

  8. NextFuture

    Can evaluation itself become deployment infrastructure?

    Audit infrastructure as a field

    Shift-type diagnosis before deployment, runtime audit for generative systems, and evaluation that treats fairness, calibration, and validity as one object — not three papers.

Research map

One ecosystem, not a list of results

Hover or tap a theme — TrustShift binds them all

Network map: trustworthy machine learning at the center, connected to healthcare AI, fairness, NLP and LLMs, causal inference, deployment shift, privacy and federated learning, financial ML, and audit tooling.Healthcare AI4 worksFairness6 worksNLP · LLMs3 worksCausal Inference2 worksDeployment Shift6 worksPrivacy · Federated1 workFinancial ML2 worksAudit & Evaluation4 worksTrustShiftthe thesis thatbinds every theme →

Publications & manuscripts

Eight studies, one argument

  1. Under review — Applied Intelligence2026

    TrustShift: Shift Type, Not Shift Magnitude, Determines Machine-Learning Failure Modes

    Rajveer Singh Pall

    One pre-registered audit across four dissimilar domains: the type of distribution shift — not its magnitude — determines which axis of trustworthiness fails at deployment.

    • Trustworthy ML
    • Deployment Shift
    • Healthcare AI
  2. Under journal review2026

    Who Bears the Burden? Heterogeneous Racial Approval Differentials in U.S. Mortgage Lending: Causal Forest DML on 42 Million HMDA Applications

    Rajveer Singh Pall

    Not whether an average penalty exists, but who bears it — and through which underwriting channel.

    • Causal Inference
    • Fairness
    • Trustworthy ML
  3. Submitted to Journal of Housing Economics, March 20262026

    Persistent Racial Disparities in U.S. Mortgage Approval: Evidence from 42 Million Applications, 2020–2024

    Rajveer Singh Pall

    The public-data Black–White mortgage approval gap at national scale: how large, where it lives, and how it responds to institutional boundaries.

    • Fairness
    • Causal Inference
    • Deployment Shift
  4. Under review (anonymous NLP venue)2026

    IndiaFinBench: An Evaluation Benchmark for Large Language Model Performance on Indian Financial Regulatory Text

    Rajveer Singh Pall

    The first expert-annotated benchmark for LLM reasoning over Indian financial regulation — where numerical thresholds and amendment chains break strong models.

    • NLP · LLMs
    • Trustworthy ML
    • Financial ML
  5. Under journal review2026

    Privacy-Preserving Federated Learning for Diabetes Risk Prediction Across Demographically Heterogeneous Hospital Nodes

    Rajveer Singh Pall

    Federated diabetes screening audited on four deployability axes at once — generalisation, fairness, calibration, and privacy — not just accuracy.

    • Healthcare AI
    • Privacy · Federated
    • Fairness
  6. Presented at CIPHER-2026 (IEEE EDS technically sponsored)2026

    Comprehensive Evaluation of Machine Learning for Type 2 Diabetes Risk Prediction: Large-Scale External Validation and Fairness Analysis

    Rajveer Singh Pall, Sameer Yadav, Siddharth Bhalerao, Sourabh Sahu, Ritu Ahluwalia, Bhaskar Awadhiya

    Internally validated diabetes models lose discrimination and fairness when externally validated on 1.28M records — age subgroups suffer most.

    • Healthcare AI
    • Fairness
    • Deployment Shift
  7. Under journal review2026

    Cross-Platform Generalisation Failure in Mental Health NLP: A Five-Axis Fairness Audit of Transformer Models on Social Media

    Rajveer Singh Pall, Sameer Yadav

    Mental-health classifiers that look near-perfect in-platform collapse across platforms — on discrimination, calibration, equity, and even their explanations.

    • NLP · LLMs
    • Fairness
    • Healthcare AI
  8. Under journal review2026

    When the Gate Stays Closed: Empirical Evidence of Near-Zero Cross-Sectional Predictability in Large-Cap NASDAQ Equities Using an IC-Gated Machine Learning Framework

    Rajveer Singh Pall

    A deployment gate for financial ML — and the discipline to report that it stayed closed.

    • Financial ML
    • Deployment Shift
    • Trustworthy ML

Research infrastructure

One reproducible ecosystem

The research ships as usable infrastructure: every manuscript regenerates its numbers from result files, and the datasets, benchmarks, and audit libraries are public, documented, and built for other people to reuse.

Research output

The next five years

Questions that remain open

  1. Q1

    Can deployment failure be diagnosed before deployment?

    TrustShift shows shift type is diagnosable from unlabeled data in four domains. The next step is a general theory: which probe families predict which failure axes, with what guarantees, and where the mapping breaks.

  2. Q2

    What does runtime auditing look like for generative systems?

    Classifier audits assume fixed outputs. Free-form generation needs live instrumentation — calibration of verbalized confidence, faithfulness, counterfactual equity — cheap enough to run beside every response on consumer hardware.

  3. Q3

    Can evaluation itself become infrastructure?

    Fairness, calibration, and external validity are still bolted on paper by paper. The goal is evaluation as a first-class system: pre-registered, subgroup-aware, shift-aware — as standard as a test suite in software.

About

I am Rajveer Singh Pall, an AI researcher studying trustworthy machine learning under real-world deployment. B.Tech Computer Science & Business Systems, GGITS, expected 2027. Current work: cross-domain deployment-shift auditing (TrustShift) and runtime audit infrastructure for locally deployed LLMs. I am applying to graduate research programs for Fall 2027.

Contact

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