Joanna Kate Harris

Watch for changes

Where they hold approval

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

Quilter Financial Limited
FRN 497604
- SMF18 Other Overall Responsibility (since 8 Jan 2026)
Embark Services Limited (no longer approved here)
FRN 120820
- Director of firm who is not a certification employee or a SMF manager (1 Sep 2024 to 4 Jun 2025)
EBS Pensions Limited (no longer approved here)
FRN 134908
- Director of firm who is not a certification employee or a SMF manager (1 Sep 2024 to 4 Jun 2025)
Halifax Share Dealing Limited (no longer approved here)
FRN 183332
- SMF7 Group Entity Senior Manager (1 Sep 2024 to 4 Jun 2025)
Sterling ISA Managers Limited (no longer approved here)
FRN 191278
- SMF7 Group Entity Senior Manager (1 Sep 2024 to 4 Jun 2025)
Embark Investment Services Limited (no longer approved here)
FRN 737356
- SMF7 Group Entity Senior Manager (1 Sep 2024 to 4 Jun 2025)
Scottish Widows Administration Services Limited (no longer approved here)
FRN 139398
- Director of firm who is not a certification employee or a SMF manager (29 Sep 2023 to 4 Jun 2025)
SCOTTISH WIDOWS LIMITED (no longer approved here)
FRN 181655
- SMF7 Group Entity Senior Manager (29 Sep 2023 to 4 Jun 2025)
Lloyds Bank General Insurance Limited (no longer approved here)
FRN 202091
- SMF7 Group Entity Senior Manager (29 Sep 2023 to 4 Jun 2025)
St Andrew's Insurance Plc (no longer approved here)
FRN 202932
- SMF7 Group Entity Senior Manager (29 Sep 2023 to 4 Jun 2025)

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.