In a medium saucepan melt butter over medium heat. Combine flour, mustard powder, onion powder, salt & pepper. Sprinkle on melted butter, whisking quickly to combine. Begin adding in pasta water gradually, whisking until smooth in between additions. Add in milk, 1 cup at a time, whisking and allowing the milk to warm in between additions. Add ham and 2 cups shredded cheddar cheese and the mozzarella cheese and whisk gently. Add pasta and peas to the saucepan, stirring to combine. Top with remaining 1 cup shredded cheddar cheese and serve.