Philip Simon Horner

Watch for changes

Where they hold approval

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

Borderway Finance Limited (no longer approved here)
FRN 670091
- SMF3 Executive Director (31 Oct 2022 to 1 Apr 2025)
- SMF9 Chair of the Governing Body (31 Oct 2022 to 1 Apr 2025)
Cumberland Building Society (no longer approved here)
FRN 106074
- [FCA CF] Material risk taker (10 Sep 2018 to 27 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.