Joan Carette joined Osborne Clarke in 2017 as a Partner of the new Payment and Financial Regulations Department.

A real expert in her domain, Joan specialises in banking and financial law, with a particular focus on FinTech, payment services and e-money, AML and more generally banking and financial services and the prudential supervision of financial institutions.

Prior to joining Osborne Clarke, Joan worked in a major Belgian law firm for over ten years, and for more than two years , she worked for the national supervisory authority (ex-CBFA) in the prudential supervision department which supervised banks, money exchange, investment firms and payment institutions). She also undertook two secondments as the head legal counsel for a company active in payments and for an entity operating within FinTech.

Joan obtained a bachelor’s in law from the ULB (Free University of Brussels) in 1995, then proceeded to obtain a master’s degree in law from the same institution in 1998. She consolidated her legal education by gaining another master’s degree in EU law after that and by attending summer school at Oxford University in the U.K.