Deep learning approaches for retinal optical coherence tomography (OCT) predominantly rely on predefined disease categories, limiting their ability to detect rare or previously unseen abnormalities. While visual foundation models provide transferable representations, their effectiveness in identifying pathological deviations from normal retinal anatomy remains insufficiently understood. In this work, we introduce an unsupervised framework for retinal OCT anomaly detection and localization that adapts pretrained visual representations to normal retinal anatomy through anatomy-aware reconstruction and contrastive triplet learning guided by synthetic structural perturbations, without requiring disease-specific annotations. We systematically investigate the influence of pretraining strategies, anatomy-aware representation adaptation, and anomaly scoring mechanisms on the detection and localization of unseen retinal abnormalities. Our findings demonstrate that adapting pretrained representations to normal retinal structure improves anomaly sensitivity, while pixel-space reconstruction errors and feature-space deviations provide complementary signals for identifying pathological changes. These findings underscore the importance of anatomy-aware representation learning and offer insights into developing generalizable retinal anomaly detection frameworks beyond predefined disease categories.

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