Roy Meshulam

Roy Meshulam

Agentic Commerce Payments Product Delivery at Mastercard

I lead complex payment products from strategy to launch, combining AI, execution discipline, and deep fintech experience across European markets.

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15+

Years Experience

30%

Delivery Uplift

4

Degrees Earned

Professional headshot

About

I work at the intersection of AI, payments, and execution. At Mastercard, I lead the rollout of Agent Pay across Europe, turning secure tokenized payments into practical agentic commerce products for real markets.

My background spans product delivery, software engineering, AI, and regulated financial services. From Apple Pay and Google Pay launches to MDES commercialization and FX derivatives programs at UBS, I build momentum around products that require both technical depth and disciplined execution.

"AI-driven payments, delivered with executional rigor."

Experience

Mastercard · Zurich, Switzerland

Product Delivery / Agentic Commerce Payments

Jan 2025 - Current

Leading the European rollout of Agent Pay, connecting AI agents with secure tokenized payments for consumer and B2B commerce.

  • Expand Mastercard Agent Pay across Europe with issuers, acquirers, PSPs, and merchants.
  • Embed authentication, tokenization, and dispute resolution into agentic payment flows.
  • Scale transparent, controlled, and fraud-protected payment experiences for autonomous transactions.

Mastercard · Zurich, Switzerland

Product Delivery / E-Commerce Payments

Jan 2023 - Dec 2024

Drove go-to-market readiness and delivery execution for European e-commerce payment products using AI-driven analytics.

  • Reduced launch delays by 20% by identifying readiness gaps through predictive insights.
  • Improved customer retention by 15% through data-driven prioritization and customer scoping.
  • Lifted launch efficiency by 25% with agile planning, automation, and predictive delivery practices.

Mastercard · Zurich, Switzerland

Product Delivery / Contactless Payments

Jan 2018 - Dec 2022

Led expansion of digital payments products including Apple Pay, Google Pay, and MDES for Device Wallets.

  • Increased transaction volume and market penetration by 30% through data-informed rollout strategies.
  • Raised product adoption and engagement by 20% through stronger positioning and messaging.
  • Improved customer satisfaction by 25% while commercializing MDES for Device Wallets.

Mastercard · Zurich, Switzerland

Product Delivery / Masterpass

Jan 2015 - Dec 2017

Built stronger onboarding and implementation delivery for Masterpass through cross-functional execution and standardized delivery practices.

  • Improved onboarding efficiency by 30% with a streamlined customer implementation process.
  • Reduced project timelines by acting as the implementation subject matter expert.
  • Increased customer satisfaction by 20% through better documentation, lessons learned, and process improvement.

UBS Investment Bank · Zurich, Switzerland

Software Engineer to Project Manager / FX Derivatives

Jul 2007 - Dec 2014

Progressed from software engineering into project management while delivering regulated trading systems and business-critical change.

  • Delivered FX derivatives systems in C++, Java, JavaScript, and ActionScript with measurable gains in trading efficiency and accuracy.
  • Achieved 100% on-time regulatory go-lives with zero customer disruptions across CFTC, MiFID, and ESMA-driven programs.
  • Improved system performance, trading volume, and stakeholder satisfaction through structured execution and risk management.

Selected Deliveries

Mastercard | 2025 - Present

Agent Pay, scaled across Europe

01

Leading the expansion of Mastercard Agent Pay and bringing secure tokenized payments into live agentic commerce journeys.

Impact: Unified authentication, tokenization, and dispute resolution in support of transparent, controlled autonomous transactions.

Mastercard | 2023 - 2024

E-commerce launches, de-risked

02

Used AI-driven analytics to surface launch risk, sharpen prioritization, and improve market delivery across Europe.

Impact: Delivered 20% fewer launch delays, 15% stronger retention, and 25% better launch efficiency.

Mastercard | 2018 - 2022

Wallets and MDES, commercialized

03

Scaled digital wallet and contactless payment offerings through stronger positioning, execution, and product optimization.

Impact: Drove 30% transaction growth, 20% higher adoption, and 25% improvement in customer satisfaction.

Mastercard | 2015 - 2017

Masterpass onboarding, simplified

04

Standardized onboarding and delivery documentation to make implementations faster, cleaner, and more repeatable.

Impact: Raised onboarding efficiency by 30% and customer satisfaction by 20%.

UBS Investment Bank | 2007 - 2014

Regulatory delivery under pressure

05

Delivered business-critical trading and regulatory change programs under tight deadlines and strict compliance constraints.

Impact: Reached 100% on-time go-live dates with zero customer disruption while reducing project risk exposure.

Education

St. Louis, Missouri, USA

M.Sc. in Artificial Intelligence

Maryville University

Washington, DC, USA

Executive MBA

Quantic School of Business and Technology

Ramat Gan, Israel

M.Sc. in Computer Science

Bar-Ilan University

Ramat Gan, Israel

B.Sc. in Computer Science

Bar-Ilan University

Expertise

Product and Delivery

Product managementRoadmappingProduct launchStakeholder managementAgile methodologyScrumCross-functional collaborationRequirements gathering

AI and Analytics

Artificial intelligenceGenerative AIMachine learningDeep learningPredictive analyticsData analysisData-driven decision makingA/B testing

Payments and Product Strategy

Agentic commerceDigital paymentsAPI integrationUser experienceProduct strategyFeature prioritizationCustomer feedbackCompetitive analysis

Technology

PythonJavaJavaScriptC++C#PHPAWSAzure

Where AI, payments, and execution converge.

Based in Zurich and available for advisory, delivery leadership, and speaking engagements across agentic commerce, digital payments, e-commerce, and financial services.

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