About Us
Refined Assets Ltd - location and team:
RAL and its partners currently operate from four main locations: Dubai, Africa, U.S. and the UK (with offices and administration teams located in Houston, London & Maidstone).
We are supported by a team of highly motivated individuals who consist of administrators, account managers, compliance officers, customer care, technical support & logistics and systems infrastructure management.
Company Directors:
John Howard Smith
Company Director & Shareholder
John Howard Smith – Company Director & Shareholder
John has a professional background in the financial sector with over 30 years’ experience, extending into property management and development. John has multiple business Directorships in various companies and has a vast experience in mergers and acquisitions.
He has also acted as an industry commentator for the mortgage arena, mainly in publications such as Mortgage Strategy and Mortgage Introducer throughout early 2000 and can be referenced there.
In recent times John has been involved in alternative investment opportunities, including Cryptocurrency and Forex and now has added Gold trading to his personal portfolio of wealth.
PC 1,2 & 3 Qualified, CeMAP, Dip.
Paul Oliver
Company Director & Shareholder
Paul Oliver – Company Director & Shareholder
Paul has more than 25 years’ experience working in the international corporate space, largely in the security and IT arena, where his roles were focused towards Sales & Marketing. He has held multiple Directorships and board member status across 6 companies and was granted ‘Freeman of the City of London’ in 2013 for his contribution & commitment to anti-cyber terrorism, working closely with members and associates of GCHQ.
Paul also held international management positions, project managing asset management programs for the likes of BT, BASF, SAB Miller and many others.
After leaving this sector some 4 years ago, Paul embarked on a new career and has become a successful Cryptocurrency/Forex investor and like his co-director, has now added Gold trading to his portfolio.
Freeman of the City of London – WCIT
Raj Kapoor
Company Director
Raj Kapoor – Company Director
Raj is a seasoned business professional with a career spanning 35+ years. He has experience across a wide range of sectors, including technology, search & selection recruitment, private equity, investment and financial services.
Raj has developed specific skills in business development, team building & business management, the establishment of highly profitable and productive channels to market and the delivery of complex solutions leading to long term profitable results.
Raj currently works with a number of private funds, family offices and a variety of other investment vehicles. He assists companies and individuals looking to grow their wealth and also assists local businesses with their ongoing growth and development plans, specifically across the UK and continental Europe.
Born in Zurich and having lived and worked in London, Rome and Mumbai, Raj is an active supporter of various charities and a keen participant and follower of motorsport. He attended the University of Westminster and graduated in Business Studies.
Geoff Wilby
Director of Operations
Geoff Wilby - Director of Operations and Data Logistics
Geoff has a wealth of experience and more than 30 years of IT knowledge in designing, developing, deploying and supporting software applications in diverse industries, including telecommunications, banking and Oil & Gas. He is fully versed in various technologies including, 3D visualisation, High science, Data management, Web & Mobile applications and Cloud computing.
Geoff has travelled extensively throughout the world and held multiple senior positions; including Senior Software Architect at Halliburton based in Houston, Texas, CTO at X Systems for 11 years based in the UAE, delivering high quality software for reservoir simulation project management systems. Geoff is a long-standing member of the prestigious Society of Petroleum Engineers.
Having recently joined Refined Assets as our Director of Operations and Data Logistics, Geoff is a valued member of the management team and is responsible for the software & application development that is used to run our mobile and back office systems for client data & systems architecture and security.
Physical Electronics – BSc (Hons).