Rachel Penney

Watch for changes

Where they hold approval

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

Forester Life Limited
FRN 177898
- [FCA CF] Client dealing (since 9 Jun 2023)
JULIAN HARRIS ADVISER NETWORK LIMITED (no longer approved here)
FRN 304155
- [FCA CF] Functions requiring qualifications (18 Aug 2022 to 10 May 2023)
Mortgage Advice Bureau Limited (no longer approved here)
FRN 455545
- Appointed representative dealing with clients for which they require qualification (17 Jan 2022 to 25 Mar 2022)
Alder Rose Mortgage Services Limited (no longer approved here)
FRN 923776
- [FCA CF] Functions requiring qualifications (13 Oct 2021 to 25 Mar 2022)
Santander UK Plc (no longer approved here)
FRN 106054
- CF21 Investment Adviser (1 Dec 2001 to 22 Jul 2003)
Santander ISA Managers Limited (no longer approved here)
FRN 171448
- CF21 Investment Adviser (1 Dec 2001 to 30 Aug 2002)

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.