Joan Carette

Joan Carette is a Financial law & FinTech lawyer combining broad expertise in financial and regulatory laws with specific knowledge of ICT regulations, including eIDAS, data protection, IT contracting, outsourcing, etc.

She advises banks, payment institutions, e-money institutions, FinTechs and RegTechs on all legal and regulatory aspects relating to their activities.

Joan’s professional background includes experience with the Belgian financial supervisory authority (at the time, CBFA) where she supervised banks, money exchange, investment firms and payment institutions. She also has extensive experience as an in-house lawyer, acquired in the context of two secondments, the first one with an entity active in payments and the second one with a RegTech. She is a Board member of FinTech Belgium.

Joan Carette is ranked in Band 2 in Banking & Finance Regulatory and in Band 3 in FinTech by Chambers & Partners. Clients admire her “very flexible, pragmatic approach,” as well as her “deep knowledge of financial regulation.” She is also ranked as a Leading Individual in FinTech and as a Next Generation Partner in Regulatory – Financial Services by The Legal 500. She is also recommended as a Global Leader in Banking – FinTech by Who’s Who Legal.

Master of law (ULB), 1998

Master degree in EU law (ULB), 2000

Member of the Brussels bar since 2000




« Digital onboarding in the financial sector. The application of the anti-money laundering and counter-terrorist financing rules »
D.B.F.-B.F.R., 2022/1, p. 40-55.
6 June, 2022