Denise Sandra Davies

Watch for changes

Where they hold approval

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

Pacific Financial Solutions Ltd
FRN 688034
- SMF24 Chief Operations (since 10 Mar 2026)
Ecology Building Society (no longer approved here)
FRN 162090
- SMF24 Chief Operations (19 Jul 2023 to 31 Oct 2024)
- [PRA CF] Key function holder (26 May 2017 to 19 Jul 2023)

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.