MY CAREER IN SIX SPOTLIGHT
JULIA KLEIN
Senior Vice President, Access and Overlay Services, Real Time Payments
Mastercard
Sharing her career journey by answering the six questions below.
Who or what has been your biggest source of inspiration throughout your career?
One of my biggest inspirations has been Reshma Saujani and her book Brave, Not Perfect, which argues that women are often socialized to avoid risks and mistakes, when in fact growth comes from choosing courage over flawless outcomes. Years ago, I learned this lesson firsthand: when my team was invited to a fun activity, I initially backed out—worried I might not perform well and fearing what others might think. I regretted it deeply after hearing how much everyone enjoyed the experience. When the opportunity came again a year later, I chose to be brave and signed up without hesitation. I did finish last—exactly what I had feared—but instead of judgment, I was met with cheers, laughter, and genuine team connection. That moment taught me that striving for perfection can make you miss out, and ever since, I’ve tried to opt for bravery in both my personal life and my professional life—whether that’s pursuing a challenging new role I may not yet fully “tick all the boxes” for, or speaking up even when it feels uncomfortable.
Would you say your success is primarily due to luck or hard work?
I’d describe my success as a combination of hard work and luck. I’ve worked consistently over many years to deliver results, stay curious, and keep stretching myself into new and sometimes uncomfortable challenges. At the same time, I’m very aware that I’ve also benefited from timing, supportive leaders, and people who opened doors or believed in me before I fully believed in myself. I try to honour that “luck” by making the most of the opportunities I’m given, by doing the hard work to be ready for the next one, and by paying it forward—creating chances for others and encouraging them to step up, even when they don’t tick every box.
What is the driving force behind your career aspirations?
The driving force behind my career aspirations is a deep sense of determination. When I set my mind on something, I’m relentless in pursuing it — not for the title, but because I want to prove to myself that I can achieve what I’ve committed to. I’ve learned that setbacks are rarely a signal to stop; they’re simply part of the process. When I fail, I get back up and try again… and again… and again — until I make it. That unwillingness to give up has been one of the most powerful motivators in my career, especially when the goals are ambitious and the path is challenging.
If given the chance to do one thing differently in your career, what would it be and why?
If I could do one thing differently in my career, I would consciously take more time to enjoy the moment. Early on, I was always laser‑focused on what came next – the next project, the next deal, the next role – and I rarely paused to acknowledge how far I’d already come. Looking back, I would give myself permission to slow down occasionally, to celebrate successes and sit with setbacks instead of immediately moving on to the next goal. Some of the best learning and joy are found in the “here and now,” and I’ve come to appreciate how important it is to be present, not just productive.
What was your most favourite job/role and why?
My favourite “role” isn’t a single job, but my journey at Mastercard. I’ve had the chance to move across very different areas of the organization, from digital payments and partnerships to identity solutions. I now lead access and overlay services for real-time payments, learning a lot in each role and continually expanding my skills. I’ve worked with inspiring, brilliant people, many of whom have become friends, and I’ve felt the company’s investment in my development, as well as the support of great leaders. To me, there isn’t just one ultimate job to aspire to; your career is a journey, and I really value the freedom to change direction and keep discovering what I can do.
Do you have a favourite motto or quote that guides your professional life?
I like Wayne Gretzky’s famous line: “You miss 100% of the shots you don’t take.” Gretzky, one of the greatest ice hockey players of all time, used it to remind athletes that you can’t score unless you’re willing to take a shot. I love this quote because it captures exactly how I try to approach my life: with courage, openness to opportunity, and a willingness to step forward even when I don’t have all the answers. It reminds me that growth comes from taking chances, trying something new, and being brave enough to fail—and try again.