Joanne Gray

Watch for changes

Where they hold approval

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

MORTGAGE INTELLIGENCE LIMITED
FRN 305330
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- Appointed representative dealing with clients for which they require qualification (since 16 Feb 2026)
Sense Network Limited (no longer approved here)
FRN 465124
- CF30 Customer (5 Feb 2008 to 11 Feb 2008)
Vista Financial Management Ltd (no longer approved here)
FRN 472845
- (6)Employed By (5 Feb 2008 to 11 Feb 2008)
QUILTER FINANCIAL SERVICES LIMITED (no longer approved here)
FRN 440703
- CF30 Customer (1 Nov 2007 to 28 Jan 2008)
- CF22 Investment Adviser (Trainee) (29 Jan 2007 to 31 Oct 2007)
Westfield Financial Solutions Limited (no longer approved here)
FRN 451318
- Employed By (29 Jan 2007 to 28 Jan 2008)

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.