Preheat your oven to 425 degrees F and line a sheet tray with parchment paper.
Place the cream cheese and mozzarella in a medium sized bowl and microwave for about 20-30 seconds or until both cheese have melted. Stir together.
In a separate bowl, whisk the egg with the almond flour, baking powder, garlic powder, salt, pepper and cheddar cheese.
Blend the cream cheese mix into the dry ingredient mix and work into a sticky dough. Once the dough begins to form, gently mix in the ham
Scoop the dough onto a piece of plastic wrap and sprinkle with a little extra almond flour to prevent sticking. Wrap and refrigerate for about 30 minutes.
Divide the dough into 4 pieces and roll into individual balls.
Cut each ball in half and place the cut side down on the prepared sheet tray.
Bake the bread in the preheated oven for 10-12 minutes or until they begin to turn golden. Enjoy while warm!