Spencer George Lake

Watch for changes

Where they hold approval

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

MONZO BANK LIMITED
FRN 730427
- Director of firm who is not a certification employee or a SMF manager (since 13 Oct 2025)
13BOOKS CAPITAL LLP
FRN 924067
- SMF27 Partner (since 2 Feb 2021)
HSBC Bank Plc (no longer approved here)
FRN 114216
- CF29 Significant management (14 Jul 2011 to 6 Mar 2016)
- CF30 Customer (1 Nov 2007 to 6 Mar 2016)
- CF21 Investment Adviser (3 Oct 2006 to 31 Oct 2007)

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.