Roy Meshulam, EMBA, M.Sc.

AI Engineer | Full Stack Developer

Executive Summary

I am a results-driven Product Delivery Manager and AI Engineer with 15+ years of experience leading high-impact initiatives across digital payments, e-commerce, and financial services. At Mastercard, I have delivered AI-powered solutions that have accelerated product launches, boosted customer retention and expanded digital payment adoption by across European markets.

My core strength lies in bridging technical innovation with strategic execution - leveraging machine learning, generative AI, and predictive analytics to drive business outcomes. From launching Apple Pay and Google Pay integrations to optimizing MDES for Device Wallets, I have consistently delivered scalable, customer-centric products that outperform expectations.

I have also built intelligent automation platforms and market-neutral trading systems through my AI consultancy, combining deep learning with real-time decision-making to unlock new efficiencies.

Previously at UBS Investment Bank, I led regulatory and trading system projects in FX Derivatives, ensuring compliance and performance under tight deadlines.

Whether it is aligning AI with go-to-market strategy or leading cross-functional teams through agile delivery, I bring a unique blend of technical depth and product vision to every challenge.

Professional Experience

Mastercard, Zurich, Switzerland

Product Delivery / E-Commerce Payments (Jan 2023 – Current)

• Spearheaded the assessment and resolution of gaps in product go-to-market readiness using AI-driven analytics, ensuring successful delivery to European markets, resulting in a 20% reduction in launch delays through predictive insights.
• Led strategic scoping and prioritization discussions with customers, leveraging data science models to optimize project focus and enhance customer satisfaction, contributing to a 15% increase in customer retention by identifying key predictive indicators.
• Successfully managed Agile project plans, incorporating AI-based tools for task automation and predictive analytics, ensuring on-time delivery and high-quality product releases, contributing to a 25% improvement in product launch efficiency.

Product Delivery / Digital Payments (Jan 2018 – Dec 2022)

• Successfully led the expansion of digital payments, including Apple Pay and Google Pay, utilizing AI-driven market analysis to drive a 30% increase in transaction volume and market penetration through data-informed strategies.
• Developed impactful product positioning and messaging in collaboration with sales and marketing teams, leveraging AI-based customer behavior analysis, resulting in a 20% increase in product adoption and customer engagement.
• Enhanced product offerings and APIs using data science techniques to analyze user research and feedback, leading to a 25% improvement in customer satisfaction and the successful commercialization of the MDES platform for Device Wallets through AI-powered optimization.

Product Delivery / Masterpass (Jan 2015 – Dec 2017)

• Designed and implemented a streamlined customer onboarding process by leading cross-functional teams, resulting in a 30% increase in onboarding efficiency and the creation of standardized delivery documentation templates.
• Served as the Subject Matter Expert on customer implementation, significantly reducing project timelines and enhancing the quality of customer deployments.
• Integrated best practices, lessons learned, and market insights into the delivery process, leading to continuous improvements and a 20% increase in customer satisfaction.
  

Senior AI Engineer, Zurich, Switzerland (Jan 2020 – Current)

• Developed an AI-powered assistant for financial advisors leveraging Firebase, Gemini, and Retrieval-Augmented Generation (RAG), enabling intelligent portfolio monitoring, personalized client insights, and real-time decision support. Integrated secure data pipelines and conversational interfaces to streamline advisor workflows and enhance client engagement.
• Designed and implemented algorithmic trading systems using deep learning and neural networks, integrating market-neutral strategies and reinforcement learning for real-time, automated forex trading with 24/5 uptime.
• Built scalable AI architectures combining Python, TensorFlow, PostgreSQL, Next.js, and Vercel, enhancing financial predictive models, optimizing decision-making, and streamlining automated workflows.

UBS Investment Bank, Zurich, Switzerland

Project Manager / FX Derivatives (Jan 2013 – Dec 2014)

• Successfully led time-sensitive regulatory projects, ensuring uninterrupted trading business continuity and compliance with CFTC, MiFID, and ESMA regulations, resulting in zero customer disruptions.
• Effectively managed project risks by maintaining a comprehensive risk log and implementing mitigation plans, reducing potential project delays and issues by 20%.
• Structured and delivered projects to meet tight regulatory deadlines, achieving 100% on-time go-live dates aligned with regulatory requirements.

Senior Software Engineer / FX Derivatives (Jan 2010 – Dec 2012)

• Led local and remote IT teams to successfully deliver a robust FX Derivatives trade capturing system in ActionScript and Java, enhancing trading efficiency and accuracy by 30%.
• Effectively communicated progress and managed risks with business stakeholders, ensuring alignment and maintaining stakeholder confidence throughout the project.
• Directed the design, development, and implementation of critical business changes, resulting in a 25% improvement in system performance and user satisfaction.

Software Engineer / FX Derivatives (Jul 2007 – Dec 2009)

• Developed a full-stack FX Derivatives trade system, transitioning from a standalone C++/Java client to a JavaScript web application, significantly improving user interface and performance.
• Led implementation discussions with internal stakeholders, capturing requirements accurately and ensuring successful project alignment, which resulted in a 20% increase in stakeholder satisfaction.
• Delivered new features and enhancements, expanding trading offers and increasing trading volume by 30%.

Education

• M.Sc. in Artificial Intelligence, Maryville University, St. Louis MO, USA.
• Executive MBA, Quantic School of Business and Technology, Washington DC, USA.
• M.Sc. in Computer Science, Bar Ilan University, Ramat Gan, Israel.
• B.Sc. in Computer Science, Bar Ilan University, Ramat Gan, Israel.

Skills

• AI, Artificial Intelligence, Generative AI, Machine Learning, Deep Learning.
• Product Development, Road mapping, Stakeholder Management.
• User Experience (UX), Agile Methodology, Scrum.
• Data Analysis, Machine Learning, Market Research.
• Product Strategy, Prototyping, Cross-functional Collaboration.
• Feature Prioritization, Product Lifecycle, User Research.
• A/B Testing, Data-driven Decision Making, Analytics.
• User Stories, Requirement Gathering, Product Launch.
• Competitive Analysis, Product Metrics, Iterative Development.
• Technical Aptitude, API Integration, Customer Feedback.
• Innovation, Problem Solving, Leadership, Communication Skills.
• Product Marketing, UX/UI Design, Product Roadmap.
• Agile Development, Customer-Centric, Business Analysis, Workflow Automation (n8n, Zapier).
• Product Innovation, Software Development, Project Management.
• MVP (Minimum Viable Product), KPIs (Key Performance Indicators).
• Azure, AWS, PHP, Java, JavaScript, C, C++, C#, Python.