Steven Sands

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Where they hold approval

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

JLT Wealth Management Limited (no longer approved here)
FRN 196619
- Responsible for Insurance Distribution (12 May 2020 to 26 Jun 2024)
- SMF1 Chief Executive (12 May 2020 to 26 Jun 2024)
- SMF3 Executive Director (12 May 2020 to 31 Jan 2026)
Mercer Limited (no longer approved here)
FRN 121935
- SMF18 Other Overall Responsibility (9 Mar 2020 to 31 Jan 2026)

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.