David James McCarthy

Watch for changes

Where they hold approval

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

Tandem Bank Limited (no longer approved here)
FRN 204479
- SMF2 Chief Finance (5 Jun 2023 to 31 Dec 2024)
Atom Bank PLC (no longer approved here)
FRN 661960
- SMF2 Chief Finance (7 Mar 2016 to 1 Nov 2022)
- [PRA CF] Key function holder (7 Mar 2016 to 31 Oct 2022)
- CF1 Director (23 Jun 2015 to 6 Mar 2016)
THE CO-OPERATIVE BANK P.L.C. (no longer approved here)
FRN 121885
- CF29 Significant management (1 Aug 2009 to 30 Oct 2009)

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.