Michael Franz Ruf

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Where they hold approval

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

Allianz Insurance Plc
FRN 121849
- SMF2 Chief Finance (since 12 Jan 2026)
FAIRMEAD INSURANCE LIMITED
FRN 202050
- SMF9 Chair of the Governing Body (since 12 Jan 2026)
Trafalgar Insurance Limited
FRN 202578
- SMF2 Chief Finance (since 12 Jan 2026)
Liverpool Victoria Insurance Company Limited
FRN 202965
- SMF2 Chief Finance (since 12 Jan 2026)
Highway Insurance Company Limited
FRN 202972
- SMF2 Chief Finance (since 12 Jan 2026)
Allianz UK Distribution Limited
FRN 307523
- SMF9 Chair of the Governing Body (since 12 Jan 2026)

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.