Stephen John Richards

Watch for changes

Where they hold approval

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

Kingsbridge Risk Solutions Limited
FRN 309149
- SMF3 Executive Director (since 31 Jan 2026)
- Responsible for Insurance Distribution (31 Jan 2026 to 13 Feb 2026)
Kingfisher Insurance Services Limited
FRN 310218
- SMF3 Executive Director (since 31 Jan 2026)
- Responsible for Insurance Distribution (31 Jan 2026 to 11 Feb 2026)
First Underwriting Limited
FRN 624585
- SMF3 Executive Director (since 31 Jan 2026)
- Responsible for Insurance Distribution (31 Jan 2026 to 11 Feb 2026)
Globe Underwriting Limited (no longer approved here)
FRN 941963
- SMF3 Executive Director (18 Jun 2021 to 9 Jun 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.