Thom previously had franchise management and MasterCard Canada responsibilities. The fifth person reporting to Mr. Selander is executive vice president Michael W. Michl, the human resources and training officer who joined MasterCard last August from Avon Products Inc. "This was the top line," MasterCard spokeswoman Sharon Gamsin said, suggesting that more changes are coming. The five division heads are "now going to be putting together the organization below that level." The moves come almost two years after Mr. Selander rose to the top of MasterCard in an easy, business-as-usual transition from past CEO Eugene Lockhart, who moved on to BankAmerica Corp. and more recently AT&T Corp. Mr. Selander was Mr. Lockhart's international right hand and until now, most of his contrasts with Mr. Lockhart were regarded as subtle and stylistic. Mr.