Emma Cartwright

Watch for changes

Where they hold approval

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

Mortgage Advice Bureau (Derby) Limited
FRN 466154
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- Appointed representative dealing with clients for which they require qualification (since 17 Apr 2026)
Stonebridge Mortgage Solutions Ltd (no longer approved here)
FRN 454811
- Appointed representative dealing with clients for which they require qualification (8 Jan 2026 to 19 Mar 2026)
Openwork Limited (no longer approved here)
FRN 408285
- Appointed representative dealing with clients for which they require qualification (18 Jun 2025 to 5 Jan 2026)
Bank of Scotland plc (no longer approved here)
FRN 169628
- [FCA CF] Functions requiring qualifications (22 Jul 2016 to 31 Oct 2024)

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.