Michael Joseph Ward

Watch for changes

Where they hold approval

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

Ward House Mortgages & Life
FRN 474827
- 21. Advising or arranging (bringing about) equity release transactions
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- SMF27 Partner (9 Dec 2019 to 9 Apr 2026)
- [FCA CF] Functions requiring qualifications (9 Dec 2019 to 9 Apr 2026)
- SMF16 Compliance Oversight (9 Dec 2019 to 9 Apr 2026)
- Responsible for Insurance Distribution (1 Oct 2018 to 9 Apr 2026)
- CF10 Compliance Oversight (26 Sep 2017 to 8 Dec 2019)
- Responsibility for MCD Intermediation (21 Mar 2016 to 9 Apr 2026)
- CF8 Apportionment and Oversight (2 Jan 2008 to 31 Mar 2009)
- CF11 Money Laundering Reporting (2 Jan 2008 to 17 Oct 2013)
- CF30 Customer (2 Jan 2008 to 22 Mar 2013)
- CF4 Partner (2 Jan 2008 to 8 Dec 2019)
- Responsible for Insurance Mediation (2 Jan 2008 to 30 Sep 2018)
Ward House Financial Services (K478) (no longer approved here)
FRN 154995
- (4)Employed By (1 Dec 2001 to 30 Dec 2007)

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.