Quick Reference DBA Banking Dictionary: Acronyms, Definitions, and Use CasesBanks run on data. Behind every transaction, statement, compliance report, and risk model sits a complex stack of databases and the administrators who keep them available, consistent, and secure. This quick-reference DBA banking dictionary collects the acronyms, definitions, and practical use cases that database administrators (DBAs) working in financial institutions encounter most often. It’s organized alphabetically and grouped into categories for rapid lookup: core database concepts, banking-domain terms, security & compliance, performance & availability, and integration & data movement.
How to use this dictionary
- Scan alphabetically for a specific term.
- Read the “Why it matters” and “Example use case” bullets to connect definitions to day-to-day DBA work.
- Use the “Related terms” line to explore adjacent concepts.
Core database concepts
ACID
- Definition: Atomicity, Consistency, Isolation, Durability — properties guaranteeing reliable transaction processing.
- Why it matters: Ensures financial transactions are completed correctly and recoverably.
- Example use case: Design of fund transfer logic so both debit and credit succeed or neither does.
- Related terms: Two-phase commit, MVCC, Transactions.
B-tree
- Definition: Balanced tree index structure used for ordered lookups and range scans.
- Why it matters: Common index type for OLTP systems where quick single-row and range queries are frequent.
- Example use case: Index on account_number for fast account lookups.
- Related terms: Index, clustered index, GiST.
CAP Theorem
- Definition: In distributed systems, you can only guarantee two of Consistency, Availability, and Partition tolerance at the same time.
- Why it matters: Guides design choices for distributed banking services (e.g., account balances).
- Example use case: Choosing strong consistency for a ledger service at the expense of availability during partitions.
- Related terms: CP/CA/AP tradeoffs, eventual consistency.
Checkpoint
- Definition: A periodic operation that makes in-memory data changes durable on disk.
- Why it matters: Reduces recovery time after crashes; affects I/O patterns.
- Example use case: Tune checkpoint frequency to balance latency and recovery window in a payments database.
- Related terms: WAL, redo/undo logs.
MVCC
- Definition: Multi-Version Concurrency Control — allows readers to see a snapshot while writers create new versions.
- Why it matters: Reduces read/write contention in high-concurrency OLTP workloads.
- Example use case: Snapshot isolation for reporting queries on live transactional data.
- Related terms: Snapshot isolation, isolation levels.
Banking-domain database terms
Account aggregation
- Definition: Consolidating account balances/transactions from multiple internal or external accounts.
- Why it matters: Often required for customer-facing dashboards and risk calculations.
- Example use case: ETL job that collects balances across core ledger, investments, and credit products nightly.
- Related terms: Data lake, reconciliation.
Ledger
- Definition: An append-only record of financial transactions that affect account balances.
- Why it matters: Core to auditability and correctness of financial state.
- Example use case: Implement ledger tables with immutability and cryptographic checksums for audit trails.
- Related terms: Double-entry bookkeeping, journal.
KYC (Know Your Customer)
- Definition: Regulatory process to verify customer identity and assess risk.
- Why it matters: DBAs must ensure secure storage, efficient access, and retention policies for identity data.
- Example use case: Partition identity tables for faster lookups while encrypting PII at rest.
- Related terms: AML, PII, data masking.
Reconciliation
- Definition: Comparing two sets of records (e.g., posted transactions vs. clearing files) to find discrepancies.
- Why it matters: Ensures accuracy of balances and detects processing errors or fraud.
- Example use case: Daily reconciliation jobs that join internal ledger to external settlement feeds and flag mismatches.
- Related terms: Settlement, exception handling.
Settlement
- Definition: Final exchange of funds and updating of account balances after trade or payment processing.
- Why it matters: Requires strict ordering and durability guarantees.
- Example use case: Batch jobs that settle net positions and write final ledger entries with audit metadata.
- Related terms: Clearing, settlement window.
Security & compliance
Data masking
- Definition: Obscuring sensitive data (e.g., PAN, SSN) for non-production environments or limited-access views.
- Why it matters: Prevents PII/PCI exposure during development and testing.
- Example use case: Create masked clones of production databases for QA while preserving referential integrity.
- Related terms: Tokenization, encryption.
Encryption at rest / in transit
- Definition: Protecting data stored on disks and data moving across networks.
- Why it matters: Required for PCI, GDPR, and general data protection.
- Example use case: Enable TDE (Transparent Data Encryption) for database files and TLS for client connections.
- Related terms: Key management, HSM.
PCI DSS
- Definition: Payment Card Industry Data Security Standard — requirements for handling cardholder data.
- Why it matters: Non-compliance risks heavy fines and loss of ability to process cards.
- Example use case: Limit access to PAN columns, log all access, and enforce strong authentication for DBAs.
- Related terms: Tokenization, audit logging.
RBAC
- Definition: Role-Based Access Control — assign permissions to roles rather than individuals.
- Why it matters: Simplifies least-privilege enforcement and auditability.
- Example use case: Create roles for “payments_operator” and “auditor” with distinct read/write rights.
- Related terms: IAM, principle of least privilege.
Performance & availability
Hot standby / Failover
- Definition: Secondary server(s) ready to take over if primary fails.
- Why it matters: Minimizes downtime for core banking services.
- Example use case: Configure synchronous replication for critical ledgers to guarantee zero-loss failover.
- Related terms: Replication, DR.
Partitioning / Sharding
- Definition: Splitting data horizontally across tables or nodes for scale.
- Why it matters: Reduces per-node load and improves query performance for huge datasets.
- Example use case: Shard transactions by account_id range to distribute write hotspots.
- Related terms: Hash partitioning, range partitioning.
Query plan / Execution plan
- Definition: The database optimizer’s blueprint for executing a SQL query.
- Why it matters: Understanding plans is essential for diagnosing slow queries.
- Example use case: Use EXPLAIN ANALYZE to find full table scans on reconciliation queries and add appropriate indexes.
- Related terms: Index scan, sequential scan, cost-based optimizer.
Connection pooling
- Definition: Reusing a pool of database connections to reduce connection overhead.
- Why it matters: Critical for high-concurrency user-facing banking applications.
- Example use case: Tune pool size for microservices to avoid exhausting DB server connections.
- Related terms: PgBouncer, connection multiplexing.
Integration & data movement
CDC (Change Data Capture)
- Definition: Capturing and propagating row-level changes (inserts/updates/deletes) from a source DB.
- Why it matters: Enables near real-time analytics, cache invalidation, and downstream systems.
- Example use case: Stream ledger changes to a fraud-detection service using Debezium and Kafka.
- Related terms: Log shipping, replication.
ETL / ELT
- Definition: Extract-Transform-Load (ETL) vs Extract-Load-Transform (ELT) — patterns for moving data to analytic stores.
- Why it matters: Choice affects latency, transform complexity, and resource usage.
- Example use case: Use ELT for large transaction datasets in a data warehouse to leverage SQL-based transforms.
- Related terms: Data warehouse, data lake.
API gateway
- Definition: Layer that exposes services (including DB-backed ones) to consumers with routing, auth, and rate limiting.
- Why it matters: Central control point for access to banking APIs that hit databases.
- Example use case: Protect transaction endpoints with throttling to prevent DB overload during peak loads.
- Related terms: Rate limiting, service mesh.
Operational terms and best practices
Backups (Full, Incremental, Differential)
- Definition: Mechanisms for point-in-time recovery using full or delta backups.
- Why it matters: Ensure recoverability after data corruption or accidental deletes.
- Example use case: Daily full backups with hourly incremental backups and periodic restore drills.
- Related terms: PITR, retention policy.
Runbooks
- Definition: Step-by-step operational procedures for common incidents (failover, restore, etc.).
- Why it matters: Reduce MTTR and human error during incidents.
- Example use case: A tested runbook for performing manual failover with checklist and verification steps.
- Related terms: SRE, incident response.
SLA / SLO
- Definition: Service Level Agreement / Service Level Objective — agreed availability and performance targets.
- Why it matters: Drive capacity planning and incident prioritization.
- Example use case: Maintain 99.99% availability for the core payments DB and measure against SLOs.
- Related terms: Error budget, monitoring.
Glossary (short entries)
- API: Application Programming Interface.
- ATM: Automated Teller Machine.
- AML: Anti-Money Laundering — monitoring and reporting suspicious activities.
- CAS (Compare-and-Swap): Atomic operation used in concurrency control.
- CDC: Change Data Capture.
- DDL: Data Definition Language — SQL statements that define schema.
- DML: Data Manipulation Language — SQL statements that change data.
- ETL: Extract, Transform, Load.
- GDPR: General Data Protection Regulation.
- HSM: Hardware Security Module — secure key storage.
- OLTP: Online Transaction Processing.
- OLAP: Online Analytical Processing.
- PII: Personally Identifiable Information.
- RTO / RPO: Recovery Time Objective / Recovery Point Objective.
- SLA: Service Level Agreement.
- TDE: Transparent Data Encryption.
- WAL: Write-Ahead Log.
Example scenarios and recommended DBA actions
Scenario: Unexpected spike in reconciliation job runtime
- Likely causes: Growing transaction volume, missing indexes, table bloat.
- DBA actions: Analyze query plans, add or rework indexes, vacuum/compact tables, consider partitioning hot tables, and offload heavy reporting to a read replica.
Scenario: Failed settlement due to partial writes
- Likely causes: Transaction misconfiguration, network partition, or storage errors.
- DBA actions: Verify ACID guarantees and transaction boundaries, check synchronous replication settings, review logs for partial commits, and run consistency checks against the ledger.
Scenario: PCI audit finding access to PAN in non-production
- Likely causes: Inadequate masking or dataset copying procedures.
- DBA actions: Implement deterministic masking for dev clones, enforce role-based access, rotate keys, and document procedures in runbooks.
Quick checklist for banking DBAs
- Ensure encryption at rest and in transit for sensitive datasets.
- Maintain tested backups and restore drills aligned with RTO/RPO.
- Enforce RBAC and audit logging for privileged access.
- Use replication and failover strategies that match consistency needs.
- Monitor query performance and proactively tune hot paths.
- Mask/tokenize PII in non-production environments.
- Keep runbooks updated and rehearse incident response.
This dictionary is a living reference—terms and practices evolve with technologies (distributed ledgers, real-time analytics, cloud-native DBaaS). Use the entries above as practical anchors when designing, operating, and auditing database systems in a regulated banking environment.