Judy Mok

Of Counsel

Tel 646.346.8008
Fax 212.223.1942

Judy Mok has extensive experience negotiating complex payments transactions for some of the world's largest retailers and financial institutions. Her practice is in the payments space, with a focus on strategic partnership arrangements. In particular, she has significant experience negotiating and drafting co-branded and private-label credit card agreements, payment network agreements, merchant agreements, servicing agreements, processing agreements, and portfolio purchase and sale agreements.

Judy also has worked on numerous transactional matters for clients in launching and marketing various business initiatives, including loyalty and rewards programs, e-commerce platforms, online lending programs, consumer payment systems, and mobile payment solutions.

Professional Activities

Vice-Chair of Deposit Products and Payment Systems Subcommittee, American Bar Association Business Law Section, Consumer Financial Services Committee

Chair of Membership, American Bar Association Business Law Section, Consumer Financial Services Committee

Former Co-Editor, ABA Consumer Financial Services Committee Newsletter

Recognitions & Accomplishments

Named to Electronic Transactions Association’s 2020 Forty Under 40 List

Nominated as 2020 LCLD Fellow for the Leadership Council on Legal Diversity Program

Selected as one of 10 participants nationwide for the 2019 National Asian Pacific American Bar Association (NAPABA) Prospective Partners Program

Named a 2019 Rising Star by the New York Law Journal

Nominee, 2017 ABA "On the Rise – Top 40 Young Lawyers" Award 

Finalist, Chambers Diversity Awards USA 2016, "Future Leader – Minority Lawyers"


Co-author, "Fed's Real-Time Payments Idea Presents Risks, Challenges," Law360, January 15, 2020

Author, “Hot Topic: The Fed’s Proposed Entry into Real-Time Payments Through the FedNow Service” American Bar Association Consumer Financial Services Committee Newsletter, December 5, 2019

Co-author, "The Federal Reserve's Entry into Real-Time Payments," Ballard Spahr Insights article, August 27, 2019

Co-author, "2013 OCC Guidance on Third Party Service Providers," ABA Consumer Financial Services Newsletter, February 25, 2015

Speaking Engagements

Speaker, “How Digital Disruption Is Reshaping Antitrust in the Financial Sector: (Anti)trust in Payments,” NERA Economic Consulting seminar, December 4, 2019

Speaker, "Alternative Payment Methods: Changing the Retail of Tomorrow and What You Should Know About It," Ballard Spahr webinar, October 3, 2019

Speaker, "Fed's Entry into Real-Time Payments," American Bar Association Business Law Section Annual Meeting, Consumer Financial Services Committee, September 15, 2019

Speaker, "AI & Big Data in the Financial Services Industry," Ballard Spahr webinar, June 18, 2019

Speaker, "Card Issuers Workshop," Ballard Spahr workshop, Minneapolis and Sioux Falls, May 14-15, 2019

Panelist, "Importance of Vendor Management in Bank Partnership Arrangements," ABA Consumer Financial Services Committee Winter Meeting, January 9, 2016

Community Activities

Co-Vice President of Strategic Development and Marketing, Don H. Liu Scholars Program

Past volunteer, Metropolitan Museum of Art Guided Tour Program

Fordham University School of Law (J.D. 2007)

New York University (B.A., magna cum laude, 2004)

New York