Esperanza Cerdan

Watch for changes

Where they hold approval

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

Citizens Advice Kensington and Chelsea
FRN 617640
- Director of firm who is not a certification employee or a SMF manager (since 9 Dec 2025)
IFM INVESTORS (UK) LTD
FRN 478403
- SMF3 Executive Director (since 16 Dec 2020)
- SMF16 Compliance Oversight (16 Dec 2020 to 28 Oct 2021)
- SMF17 Money Laundering Reporting Officer (MLRO) (16 Dec 2020 to 28 Oct 2021)
Deutsche Bank AG (no longer approved here)
FRN 150018
- CF30 Customer (11 Apr 2008 to 12 May 2009)

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.