Banks and financial services
Firms are held directly accountable for senior staff conduct. SMCR screening protects against regulatory fines, reputational damage, and operational risk, and proves to the FCA that only fit and proper individuals are in charge of key decisions.
- Senior management such as CEOs, CFOs and Heads of Compliance
- Certified roles that could cause significant harm
- Roles affected by SMCR conduct rules for customer outcomes or market integrity
Key considerations
- Experian are the only FCA-regulated background screening provider
- Digital ID capability and automated workflows for remote checks in high volume
- Customised bulk, rescreening and role-specific checks to avoid over- or under-screening
- UK-based referencing team specialised in regulated referencing for senior roles
- We screen our own staff to SMCR standards.
Insurance
Insurers must prove that senior staff and certified roles meet regulatory standards to avoid FCA penalties and maintain customer trust.
Senior managers and executives
Underwriters
Compliance officers
Claims leads in regulated roles
Key considerations
- Experian are the only FCA-regulated background screening provider
- Digital ID capability and automated workflows for remote checks in high volume
- Customised bulk, rescreening and role-specific checks to avoid over- or under-screening
- UK-based referencing team specialised in regulated referencing for senior roles
- We screen our own staff to SMCR standards.
Pensions
Pension providers are under strict scrutiny to ensure those managing funds are fit, proper, and compliant with FCA rules.
- Scheme managers
- Trustees
- Investment leads
- Compliance staff
Key considerations
- Experian are the only FCA-regulated background screening provider
Clear audit-ready reports to meet regulatory expectations
Customised bulk and role-specific checks to avoid over- or under-screening in complex businesses
UK-based referencing team specialised in regulated referencing for senior roles
Retail credit services
Any retailer offering credit must meet FCA obligations, including checks on staff in customer finance and compliance roles.
- Heads of credit
- Store finance managers
- Regulated sales staff
Key considerations
- We help you understand which roles fall under SMCR – even if it’s not obvious
- Tailored screening to match your business model and risk profile
- Fast onboarding with minimal admin and applicant tracking integrations
- Digital ID capability so you can conduct remote checks in high volume
- Highest-level security and dedicated UK data centre for data protection you can trust
Automotive finance
If you offer motor finance, you are on the FCA radar. SMCR screening is necessary to keep you protected and ensure your senior staff can stand up to scrutiny.
- Finance directors
- Dealership credit managers
- Regulated sales staff
- Compliance officers
Key considerations
- We help you understand which automotive group roles fall under SMCR – even if it’s not obvious
- Tailored screening to match your business model and risk profile
- Fast onboarding with minimal admin and applicant tracking integrations
- Highest-level security and dedicated UK data centre for data protection you can trust
Wealth and pensions
Firms must prove clear personal accountability for decisions that shape clients’ long-term outcomes. This requires strong oversight of roles, advisers and outsourced partners, and evidence of fit and proper checks, competence, and conduct.
- Senior management
- Certified roles that could cause significant harm
- Roles affected by SMCR conduct rules for customer outcomes or market integrity
- Governance and compliance roles
Key considerations
- Experian are the only FCA-regulated background screening provider.
- Our brand is trusted by businesses, employees and candidates.
- Digital ID capability, automated workflows for remote checks, and bulk/rescreening.
- UK-based referencing team specialised in regulated referencing for senior roles