David Bowles

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Where they hold approval

Firms where this individual holds — or has held — an FCA-approved role.

UK Mortgage Lending Ltd
FRN 710410
- SMF16 Compliance Oversight (since 25 Jul 2025)
- SMF4 Chief Risk (since 25 Jul 2025)
- SMF18 Other Overall Responsibility (21 Sep 2023 to 29 Jul 2025)
- [FCA CF] Significant management (21 Jul 2023 to 21 Sep 2023)
- SMF4 Chief Risk (1 Apr 2021 to 3 Oct 2022)
Pepper Money Limited
FRN 811609
- SMF16 Compliance Oversight (since 25 Jul 2025)
- [FCA CF] Significant management (since 21 Jul 2023)
- [FCA CF] Significant management (4 Nov 2020 to 1 Oct 2022)
- SMF17 Money Laundering Reporting Officer (MLRO) (9 Dec 2019 to 6 Nov 2020)
- SMF16 Compliance Oversight (9 Dec 2019 to 6 Nov 2020)
- CF11 Money Laundering Reporting (22 May 2019 to 8 Dec 2019)
- CF10 Compliance Oversight (22 May 2019 to 8 Dec 2019)
- CF28 Systems and controls (22 May 2019 to 8 Dec 2019)
Shawbrook Bank Limited (no longer approved here)
FRN 204574
- CF28 Systems and controls (3 Sep 2014 to 12 Feb 2015)

Updates to this individual's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Senior staff at any authorised firm have to be approved by the FCA personally.
Approved individual: Someone the FCA has personally signed off to hold a senior role at an authorised firm — directors, compliance officers and similar. They're held accountable for the firm's conduct.
Controlled functions: The specific senior roles the FCA approves people to hold, like 'Compliance oversight' or 'Money laundering reporting'. Each approval is tied to a particular firm.
IRN: Individual Reference Number — the unique ID the FCA assigns to each approved person. It stays the same as they move between firms.

Information on this page is sourced from the official FCA register.