David Spencer Heppell

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Where they hold approval

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

Three Counties Limited (no longer approved here)
FRN 145005
- [FCA CF] Client dealing (3 Dec 2020 to 9 Jan 2025)
- [FCA CF] Functions requiring qualifications (3 Dec 2020 to 9 Jan 2025)
- SMF3 Executive Director (9 Dec 2019 to 28 May 2025)
- SMF16 Compliance Oversight (9 Dec 2019 to 27 Feb 2025)
- SMF17 Money Laundering Reporting Officer (MLRO) (9 Dec 2019 to 27 Feb 2025)
- CF30 Customer (5 Jan 2017 to 8 Dec 2019)
- CF1 Director (28 Apr 2016 to 8 Dec 2019)
- CF10 Compliance Oversight (28 Apr 2016 to 8 Dec 2019)
- CF11 Money Laundering Reporting (28 Apr 2016 to 8 Dec 2019)
TenetConnect Services Limited (no longer approved here)
FRN 150643
- CF30 Customer (1 Nov 2007 to 25 Feb 2013)
- CF21 Investment Adviser (30 Dec 2002 to 31 Oct 2007)
Dhanda Financial (no longer approved here)
FRN 192968
- Employed By (30 Dec 2002 to 25 Feb 2013)

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.