In any system used for fuel distribution or fuel storage, you are most likely to find microbes living on physical surfaces (like tank walls) and at interfaces between fuel and free water. When on surfaces, microbes live in and behind biofilm formations - slimy growths that can house entire living ecosystems of microbes. It is this slimy growth that may also turn into particulate that is suspended in fuel and blocks filters.
MIC damage in aircraft and aviation systems can be recognized by signs of pitting or etching on surfaces. This damage may develop at a surprisingly fast rate. So monitoring is an essential element of staying ahead of this problem, all the while realizing that these metal structures in aircraft that are attacked by microbes aren’t so easily accessible for this monitoring.
That’s why it’s so important to monitor the microbiological contamination levels of the fuel itself, which is best done through regular fuel testing with a suitable testing procedure like ATP-By-Filtration. The industry seems to concur - IATA recommends routine microbial testing, as do the AMMs for many leading aircraft manufacturers - Airbus, Boeing, Gulfstream, and others, both noncommercial and commercial.