Judy Waters is a sports bookie who works as a hostess/manager for the luxury penthouse in The Albatross casino. She has a tendency to take things very literally.
She is described as looking like the singer Yu Hayami circa the 1980s/1990s, with hair similar to the style Hayami wears on the album art for "Colorful Box" (a short fluffy bob with teased bangs). She wears a suit described as "the Fay Valentine car dealer outfit combined with the Doug big suit video" (magenta suit jacket with big shoulderpads and black lapels, with a green bow tie). During the opening night of The Albatross, she is wearing a white suit which has a red gradient halfway up her body from the van’s crash into the cranberry bog.
While working at The Albatross, she was “basically a low-level fixer” for high rollers. She was very new to being a bookie, which got her into a great deal of trouble when entering into a partnership of sorts with Jacob Sound. After the events of Hard Luck, Judy was fired from The Albatross, as well as another casino, and a hotel, unable to get away from the life she had entered into.