Gary Richardson

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Where they hold approval

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

Harpenden Building Society
FRN 157260
- SMF24 Chief Operations (since 21 Feb 2023)
- SMF24 Chief Operations (18 Mar 2022 to 13 Jun 2022)
Cumberland Building Society (no longer approved here)
FRN 106074
- SMF24 Chief Operations (12 Feb 2018 to 9 Apr 2020)

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.