Joanna Mary Ricardo Bertram

Watch for changes

Where they hold approval

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

Virgin Media Mobile Finance Limited (no longer approved here)
FRN 626215
- SMF3 Executive Director (18 Jul 2022 to 14 Aug 2025)
Telefonica UK Limited (no longer approved here)
FRN 718822
- SMF3 Executive Director (9 Dec 2019 to 14 Aug 2025)
- CF1 Director (4 Jan 2019 to 8 Dec 2019)
- Responsible for Insurance Distribution (4 Jan 2019 to 13 Sep 2019)

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.