Michael Fardell

Watch for changes

Where they hold approval

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

Howden Reinsurance Brokers Limited (no longer approved here)
FRN 531097
- [FCA CF] Significant management (12 Oct 2021 to 6 Jun 2025)
- SMF18 Other Overall Responsibility (15 Feb 2020 to 18 Feb 2021)
- CF28 Systems and controls (11 Oct 2019 to 8 Dec 2019)
Howden Insurance Brokers Limited (no longer approved here)
FRN 309639
- [FCA CF] Significant management (3 Feb 2021 to 6 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.