William Aaron O'Carroll

Watch for changes

Where they hold approval

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

Handelsbanken plc
FRN 806852
- SMF4 Chief Risk (since 1 Oct 2024)
Marks and Spencer Unit Trust Management Limited (no longer approved here)
FRN 141662
- SMF3 Executive Director (4 Jan 2021 to 27 Sep 2024)
MARKS AND SPENCER FINANCIAL SERVICES PLC (no longer approved here)
FRN 151427
- SMF4 Chief Risk (4 Jan 2021 to 27 Sep 2024)
Cumberland Building Society (no longer approved here)
FRN 106074
- SMF16 Compliance Oversight (19 Jun 2017 to 16 Dec 2020)
- SMF4 Chief Risk (19 Jun 2017 to 16 Dec 2020)

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.