Maria Cearns

Watch for changes

Where they hold approval

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

THE CO-OPERATIVE BANK P.L.C. (no longer approved here)
FRN 121885
- SMF24 Chief Operations (16 Jun 2022 to 23 Nov 2025)
- SMF18 Other Overall Responsibility (25 Feb 2019 to 1 Nov 2021)
- [FCA CF] Material risk taker (16 Jul 2018 to 8 Nov 2018)

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.