Ian Michael Watters

Watch for changes

Where they hold approval

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

Cedar Mortgage Services Ltd
FRN 1034353
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- 21. Advising or arranging (bringing about) equity release transactions
- [FCA CF] Functions requiring qualifications (since 6 Jan 2026)
- Responsible for Insurance Distribution (since 6 Jan 2026)
- SMF16 Compliance Oversight (since 6 Jan 2026)
- SMF3 Executive Director (since 6 Jan 2026)
- Responsibility for MCD Intermediation (since 6 Jan 2026)
TRULY INDEPENDENT LTD (no longer approved here)
FRN 513655
- [FCA CF] Functions requiring qualifications (9 Dec 2019 to 25 Feb 2026)
- [FCA CF] Client dealing (9 Dec 2019 to 25 Feb 2026)
Handelsbanken plc (no longer approved here)
FRN 806852
- [FCA CF] Functions requiring qualifications (7 Mar 2017 to 31 Dec 2018)

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.