The banking sector increasingly relies on automated systems to monitor electronic transactions for signs of fraud, yet conventional rule-based approaches struggle with high false-positive rates and offer no justification for their outputs, limiting their utility for compliance teams. This paper introduces an Explainable Artificial Intelligence (XAI) framework tailored for banking transaction anomaly detection within internal audit workflows. An Isolation Forest (iForest) model performs unsupervised anomaly scoring, while a SHAP (SHapley Additive exPlanations) layer provides transaction-level, feature-attributed explanations grounded in cooperative game theory [8]. A lightweight Streamlit dashboard renders these outputs in a form accessible to audit professionals without machine learning expertise. Evaluation on a synthetic banking dataset yields 0.91 precision and 0.88 recall, outperforming three unsupervised baselines. Expert feedback confirms that feature-level explanations measurably improve auditor confidence and decision quality. The framework advances the practical deployment of accountable, transparent AI in regulated financial environments.

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