Ian Richard Ward Carter

Watch for changes

Where they hold approval

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

Aldermore Bank Plc
FRN 204503
- [FCA CF] Significant management (since 17 Nov 2025)
MotoNovo Finance Limited
FRN 827851
- [FCA CF] Significant management (since 17 Nov 2025)
The Royal Bank of Scotland International Limited (no longer approved here)
FRN 760675
- [PRA CF] Significant risk taker or Material risk taker (19 Jun 2019 to 24 Dec 2021)
THE ROYAL BANK OF SCOTLAND PUBLIC LIMITED COMPANY (no longer approved here)
FRN 114724
- [PRA CF] Significant risk taker or Material risk taker (17 May 2018 to 24 Dec 2021)
NatWest Markets Plc (no longer approved here)
FRN 121882
- [FCA CF] Material risk taker (17 May 2018 to 24 Dec 2021)
Coutts & Company (no longer approved here)
FRN 122287
- [PRA CF] Significant risk taker or Material risk taker (17 May 2018 to 24 Dec 2021)

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.