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.
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 considered as a Next Generation Partner in Regulatory – Financial Services by The Legal 500, and Recommended 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