William Michael Gray

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Where they hold approval

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

RCI Financial Services Limited
FRN 312330
- SMF7 Group Entity Senior Manager (since 29 Mar 2021)
RCI Bank UK Limited
FRN 815220
- SMF10 Chair of the Risk Committee (since 29 Mar 2021)
HTB LEASING & FINANCE LTD (no longer approved here)
FRN 165116
- SMF10 Chair of the Risk Committee (19 May 2016 to 17 Dec 2024)
OakNorth Bank plc (no longer approved here)
FRN 629564
- CF1 Director (25 Mar 2015 to 24 Apr 2015)
Santander UK Plc (no longer approved here)
FRN 106054
- CF28 Systems and controls (16 May 2012 to 6 Mar 2013)

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.