Judy Mok

Of Counsel
New York

Judy Mok has extensive experience negotiating complex payments transactions for some of the world's largest retailers, financial institutions and businesses. 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 advised 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.


Representative Matters

Co-Branded and Private Label Credit Card Program Agreements

  • Represented a major international retailer in connection with the renegotiation of its private label and co-branded credit card agreements with a large issuing bank and its alliance agreement with a payment card network
  • Represented an international airline in the negotiation of its co-branded card agreement with a major issuing bank
  • Represented a major home improvement retailer in its private label agreement with a large issuing bank

Professional Highlights

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

Recognition & Accomplishments

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

Elected as a Governing Committee Member of the Conference on Consumer Finance Law, 2020

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

Speaking Engagements

Speaker, "An Introduction to Real-Time Payments," Ballard Spahr Consumer Financial Services Group Podcast, December 10, 2020

Speaker, "Consumer Financial Services in Turbulent Times: Credit Cards and Payment Cards," A CLE webcast series by Ballard Spahr’s Consumer Financial Services Group, December 8, 2020

Speaker, "Impact of COVID-19 on the Payments Ecosystem," Ballard Spahr webinar, June 26, 2020

Board Memberships & Community Service

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

Past volunteer, Metropolitan Museum of Art Guided Tour Program


Co-author, "Will COVID-19 Fraud Issues Impact the Use of Real-Time Payments," ABA Consumer Financial Services Committee Newsletter, July 13, 2020

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

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 Committee Newsletter, February 25, 2015



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

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


New York