Fintan Quigley

Banking and Payouts Editor · St. John's, Newfoundland and Labrador

Fintan Quigley reconciled merchant settlement files for a payment processor in St. John's for eight years, which means he spent most of a decade looking at the gap between the day a customer thought they had been paid and the day the money actually moved. Casino cashiers turn out to be the same problem with a louder interface.

He came to this subject through the part of it nobody markets: what happens when a transfer goes wrong and which of the three parties involved is actually holding the money. His view, stated more than once on this page, is that the irreversibility of an e-Transfer is under-discussed in Canadian gambling coverage, because it moves the entire risk of the transaction onto the choice of operator and away from any institution that might otherwise step in. Every timing figure here is off his own bank statements, and where a cashier missed its own quoted window he has said so and by how much.