Michael Ronald Downie

• Lloyds Bank PLC

  FRN 119278

  • [FCA CF] Manager of certification employee (since 1 Apr 2025)
  • [FCA CF] Material risk taker (since 1 Apr 2025)
  • [PRA CF] Managing a material risk taker (since 1 Apr 2025)
  • [PRA CF] Significant risk taker or Material risk taker (since 1 Apr 2025)
  • [PRA CF] Significant risk taker or Material risk taker (1 Sep 2023 to 23 Jan 2024)
  • [PRA CF] Managing a material risk taker (4 Dec 2020 to 23 Jan 2024)
  • [FCA CF] Manager of certification employee (4 Dec 2020 to 23 Jan 2024)
  • [FCA CF] Material risk taker (3 Dec 2019 to 11 May 2020)
• SCOTTISH WIDOWS LIMITED

  FRN 181655

  • SMF4 Chief Risk (since 1 Apr 2025)
  • SMF20 Chief Actuary (3 Apr 2020 to 31 Aug 2025)
• Halifax Share Dealing Limited

  FRN 183332

  • SMF4 Chief Risk (since 1 Apr 2025)
• Sterling ISA Managers Limited

  FRN 191278

  • SMF4 Chief Risk (since 1 Apr 2025)
• Lloyds Bank General Insurance Limited

  FRN 202091

  • SMF4 Chief Risk (since 1 Apr 2025)
• St Andrew's Insurance Plc

  FRN 202932

  • SMF4 Chief Risk (since 1 Apr 2025)
• Embark Investment Services Limited

  FRN 737356

  • SMF4 Chief Risk (since 1 Apr 2025)
• HBOS Investment Fund Managers Limited (no longer approved here)

  FRN 119223

  • SMF3 Executive Director (16 May 2024 to 1 Apr 2025)
• Scottish Widows Unit Trust Managers Limited (no longer approved here)

  FRN 122129

  • SMF3 Executive Director (16 May 2024 to 1 Apr 2025)
• Bank of Scotland plc (no longer approved here)

  FRN 169628

  • [PRA CF] Significant risk taker or Material risk taker (3 Dec 2019 to 10 Dec 2019)
  • [FCA CF] Material risk taker (3 Dec 2019 to 10 Dec 2019)

No changes recorded yet.