David Pay

Watch for changes

Where they hold approval

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

Itc Compliance Limited
FRN 313486
- CF1 Director (AR) (since 5 Feb 2026)
Aion Auto UK Limited
FRN 1050545
- (1)Employed By (since 5 Feb 2026)
Santander Consumer (UK) Plc (no longer approved here)
FRN 444327
- [FCA CF] Significant management (9 Dec 2019 to 1 Aug 2023)

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

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.