James Robert Lyon Oram

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Where they hold approval

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

Aviva Life & Pensions UK Limited
FRN 185896
- [FCA CF] Significant management (since 14 Apr 2026)
Aviva International Insurance Limited
FRN 202082
- [FCA CF] Significant management (since 14 Apr 2026)
Aviva Insurance Limited
FRN 202153
- [FCA CF] Significant management (since 14 Apr 2026)
Morgan Stanley & Co. International Plc (no longer approved here)
FRN 165935
- [FCA CF] Manager of certification employee (7 Mar 2021 to 28 Nov 2022)
- [FCA CF] Client dealing (12 Jun 2018 to 28 Nov 2022)
Morgan Stanley Bank International Limited (no longer approved here)
FRN 195430
- [FCA CF] Manager of certification employee (7 Mar 2021 to 28 Nov 2022)
- [FCA CF] Client dealing (12 Jun 2018 to 28 Nov 2022)
Citigroup Global Markets Limited (no longer approved here)
FRN 124384
- CF30 Customer (12 Jun 2015 to 6 Mar 2016)

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.