Aveline Doucette spent six years on the operations side of payments before she started writing about them, most of it in the part of the business that decides when a withdrawal gets held and why. She reviews casinos from the cashier end rather than the lobby: what an operator publishes about wagering, minimum deposit and the rails money can actually leave on, and what it declines to publish at all.
She writes cashier-first rather than bonus-first, on the view that the headline percentage is the least informative number an operator gives a Canadian player. The wagering multiple attached to it, the rail the money leaves on and whether verification was completed before the win are what decide how much is kept.