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 and AEDBF. Joan is also a member of the working group launched by the Blockchain Association of Exchange and Custodians (BAx Belgium) aiming at promoting blockchain in Belgium.
Joan Carette is ranked in Band 2 in Banking & Finance Regulatory and in Band 2 in FinTech by Chambers & Partners. Clients describe her as “brilliant at spotting and resolving issues,” and appreciate her “to-the-point pragmatic advice.” She is also ranked as a Leading Individual in FinTech and as a Next Generation Partner in Regulatory – Financial Services by The Legal 500. Joan is mentioned in IFLR1000 as being “flexible, professional, skilled” and she is 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