Elspeth Louise James

Watch for changes

Where they hold approval

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

Eden Housing Association Limited
FRN 737021
- Director of firm who is not a certification employee or a SMF manager (since 4 Sep 2024)
Mortgage Advice Bureau (Derby) Limited
FRN 466154
- CF1 Director (AR) (since 21 Mar 2019)
Mortgage Advice Bureau Limited
FRN 455545
- CF1 Director (AR) (since 5 Mar 2019)
Cumbria Mortgage Centre Limited
FRN 834691
- Employed By (since 5 Mar 2019)
Penrith Building Society
FRN 164473
- SMF2 Chief Finance (since 7 Mar 2016)
- SMF16 Compliance Oversight (since 7 Mar 2016)
- SMF17 Money Laundering Reporting Officer (MLRO) (since 7 Mar 2016)
- SMF4 Chief Risk (since 7 Mar 2016)
- CF10 Compliance Oversight (9 Dec 2014 to 6 Mar 2016)
- CF11 Money Laundering Reporting (10 Jan 2013 to 6 Mar 2016)
- CF1 Director (1 Sep 2012 to 6 Mar 2016)

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.