ABOUT
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, Judy has significant experience negotiating and drafting co-branded and private label credit card program agreements, payment network agreements, merchant agreements, servicing agreements, processing agreements, and a variety of payment method acceptance 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 leading national pharmacy store chain in connection with the negotiation of its de novo co-branded and private label credit card program agreements with major issuing banks.
- Represented a leading American multinational automotive manufacturer in connection with its co-branded and private label credit card program agreement.
- Represented a major sports league in connection with the negotiation of its co-branded credit card program agreement with a large issuing bank.
- Represented a national pet retailer chain in connection with the negotiation of its de novo co-branded and private label credit card program agreement with a major issuing bank.
- Represented a leading international automotive manufacturer in connection with the renegotiation of its co-branded and private label credit card program agreements with brand partners and a major issuing bank.
- Represented a leading U.S. meal kit delivery and subscription services company in connection with its de novo co-branded credit card program.
- Represented a fuel efficiency mobile application company in connection with its de novo co-branded credit card program with a major issuing bank.
- 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.
- 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 the negotiation of its private label credit card program agreement with a large issuing bank.
- Represented a major U.S. airline in the negotiation of its co-branded card agreements with two different issuing banks.
- Represented a national outdoor sporting goods retailer in its negotiation of its co-branded card agreement with a major issuing bank.
- Represented an e-commerce fashion retailer and its affiliated company in the negotiation of its private label agreement with a large issuing bank.
- Represented a major credit card issuer in the structuring of a co-branded and private label agreement with a major international retailer.
- Represented a major financial institution in its negotiation of a co-branded card agreement and corporate card agreement with an affiliate of the seller of the credit card portfolio.
Purchase and Sale Agreements
- Represented major financial institutions (on both the purchaser and seller side) in connection with the purchase and sales of credit card portfolios from other financial institutions.
Payment Processing Agreements/Merchant Acquiring Agreements
- Represented a leading international lodging establishment in its negotiation of its worldwide merchant acceptance agreement with a payment network.
- Represented numerous retailers in connection with their merchant agreements for the acceptance of various payment methods.
- Represented numerous leading merchants in connection with their payment processing agreements with major payment processing companies.
Network Agreements
- Represented a major financial institution in connection with the renegotiation of its enterprise incentive agreements with various payment networks.
- Represented major merchants in various industry verticals in connection with the negotiation of their respective payment network incentive agreements to support their co-branded credit card programs.
Prepaid/Gift Card Agreements
- Represented a major international retailer in its gift card program agreements with Blackhawk Network, InComm and ePay.
Loyalty/Rewards
- Advised a major financial institution in structuring and drafting various template agreements in connection with a proprietary rewards program.
- Represented a fintech/payment processor in connection with the template agreement drafting and subsequent negotiation with merchant partners participating in its corporate card rewards program.
Mobile Wallets
- Represented a leading mobile wallet provider in its enterprise agreements with merchants relating to the provisioning of merchant loyalty passes and ticketing functionality on the wallet.
Credentials
Education
- Fordham University School of Law, J.D., 2007
- New York University, B.A., 2004
- magna cum laude
Bar Admissions
- New York
Accolades
- Crain’s New York Business, Notable Women in Law (2022)
- LCLD Fellow for the Leadership Council on Legal Diversity Program (2020)
- Electronic Transactions Association, Forty Under 40 (2020)
- Elected as a Governing Committee Member of the Conference on Consumer Finance Law (2020)
- New York Law Journal, Rising Star (2019)
Memberships and Affiliations
- Vice-Chair of Deposit Products and Payment Systems Subcommittee, American Bar Association Business Law Section, Consumer Financial Services Committee
- Former Chair of Membership, American Bar Association Business Law Section, Consumer Financial Services Committee
- Former Co-Editor, ABA Consumer Financial Services Committee Newsletter
- Co-Vice President of Strategic Development and Marketing, Don H. Liu Scholars Program
