Emma Smart

Watch for changes

Where they hold approval

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

FEAR Financial Ltd
FRN 1012718
- CF1 Director (AR) (since 25 Mar 2026)
THE SMART MORTGAGE BROKER GROUP LTD
FRN 1052886
- Employed By (since 25 Mar 2026)
Openwork Limited (no longer approved here)
FRN 408285
- Appointed representative dealing with clients for which they require qualification (16 Feb 2023 to 2 Apr 2026)

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.