Judy Mok

Partner
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.

Experience 

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, "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, “Off the Rails – Payments in Light of COVID-19,” American Bar Association Business Law Section Annual Meeting, Consumer Financial Services Committee, September 23, 2020

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

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

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

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

Publications

Co-author, “Fed Moves up FedNow launch date,” Consumer Finance Monitor blog, February 18, 2021

Co-author, "The Effect of COVID-19 on Real-Time Payments,” Banking & Financial Services Policy Report (Volume 39, Number 9), September 2020

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 

Credentials 

Education

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

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

Admissions

New York