Heather Smith

Watch for changes

Where they hold approval

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

Gauntlet Risk Management Ltd
FRN 308081
- CF1 Director (AR) (since 31 Jul 2025)
Ten Insurance Services Limited (no longer approved here)
FRN 314593
- CF1 Director (AR) (23 Nov 2012 to 25 Aug 2025)
Insure Protect Ltd (no longer approved here)
FRN 591166
- (1)Employed By (23 Nov 2012 to 25 Aug 2025)
NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) (no longer approved here)
FRN 117664
- CF4 Partner (AR) (8 Jul 2010 to 6 Nov 2012)

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.