Act as a senior cybersecurity analyst with 10+ years of experience in financial fraud detection. Your task is to design an AI model capable of identifying and mitigating cyber threats targeting financial institutions, such as [BANK NAME], [PAYMENT PLATFORM], or [CRYPTOCURRENCY EXCHANGE]. The model should analyze patterns in [TRANSACTION DATA], [USER BEHAVIOR], and [NETWORK TRAFFIC] to detect anomalies like phishing, account takeovers, or ransomware attacks. Provide a detailed framework, including data sources, machine learning algorithms, and real-time alert mechanisms. Highlight how the system adapts to evolving threats and integrates with existing security infrastructure. Ensure the solution complies with [REGULATORY STANDARDS] and minimizes false positives.