Michael Richard Andrew Graham

Watch for changes

Where they hold approval

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

Milecross Financial (Scotland) Ltd
FRN 845731
- (2)Employed By (since 21 Apr 2026)
Openwork Limited
FRN 408285
- CF1 Director (AR) (since 20 Mar 2026)
Milecross Financial Solutions Limited
FRN 413142
- (3)Employed By (since 20 Mar 2026)
Spence & Partners Limited (no longer approved here)
FRN 195668
- [FCA CF] Significant management (9 Dec 2019 to 11 Nov 2022)

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.