Spread cream cheese evenly over the tortilla.
Layer the ham slices on top of the cream cheese.
Place the cheddar cheese slices over the ham.
Add mustard and herbs if desired.
Starting from one end, tightly roll the tortilla into a log.
Wrap the rolled tortilla in plastic wrap and refrigerate for 10 minutes.
Remove from the refrigerator and unwrap.
Slice the roll into 1-inch pinwheels.
Arrange pinwheels on a serving plate.
Serve with dipping sauces if desired.