Richard William Smith

Watch for changes

Where they hold approval

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

Scottish Widows Schroder Personal Wealth Limited
FRN 830170
- 4. Giving personal recommendations on retail investment products which are not broker funds
- [FCA CF] Functions requiring qualifications (since 31 Mar 2020)
- [FCA CF] Client dealing (since 31 Mar 2020)
Nationwide Building Society (no longer approved here)
FRN 106078
- CF30 Customer (10 Apr 2015 to 6 Mar 2016)
- CF21 Investment Adviser (28 Aug 2007 to 31 Oct 2007)
Lloyds Bank PLC (no longer approved here)
FRN 119278
- CF30 Customer (19 Oct 2009 to 10 Sep 2012)
Lighthouse Advisory Services Limited (no longer approved here)
FRN 195199
- CF30 Customer (26 May 2009 to 8 Oct 2009)
Lighthouse Financial Advice Limited (no longer approved here)
FRN 225502
- (370)Employed By (26 May 2009 to 8 Oct 2009)
Aviva Investors UK Fund Services Limited (no longer approved here)
FRN 119310
- CF21 Investment Adviser (1 Dec 2001 to 5 Dec 2003)

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.