Summary
Overview
Work History
Education
Skills
Accomplishments
Volunteer Experience
Timeline
Generic

Mark R. Rossow

San Antonio,USA

Summary

Dynamic Business Process Owner at USAA Federal Savings Bank with expertise in risk analysis and regulatory compliance. Proven track record in process improvement and stakeholder engagement, delivering compliant mortgage solutions. Adept at leveraging agile methodologies to enhance operational efficiency and drive strategic initiatives, ensuring timely and accurate project delivery.

Overview

18
18
years of professional experience

Work History

Business Process Owner – Real Estate Shared Services

USAA FEDERAL SAVINGS BANK
San Antonio, TX
01.2021 - 05.2025
  • Ensured timely, compliant delivery of end-to-end mortgage documents to members.
  • Monitored AML control reports to maintain data safety and accuracy within line of business.
  • Analyzed data to identify trends and assess associated risks.
  • Wrote procedures in collaboration with legal and compliance partners.
  • Identified risks within current processes, procedures, and real estate loan origination systems.
  • Collaborated with partners to address issues by proposing tactical and strategic solutions.

Product Owner – Real Estate Shared Services

USAA FEDERAL SAVINGS BANK
San Antonio, TX
01.2020 - 01.2021
  • Defined agile vision and streamlined program initiatives, maximizing delivered value.
  • Identified potential risks and explored mitigation solutions.
  • Collaborated with Operational Readiness to ensure market delivery.
  • Partnered with Legal, Compliance, Risk to deliver compliant products.
  • Developed regression testing plans for downstream impact analysis.
  • Decomposed requirements to deliver business-aligned products.
  • Analyzed problem statements to meet business needs.
  • Crafted user stories with clear acceptance criteria.

Business Advisor, Real Estate Experience Owners

USAA FEDERAL SAVINGS BANK
San Antonio, TX
10.2016 - 03.2020
  • Authored feature business requirements for agile teams, delivering digital mortgage experience.
  • Collaborated with Legal and Compliance partners to secure approvals for compliant business requirements.
  • Conducted data analysis to identify gaps and opportunities in current experiences.
  • Researched regulatory guidelines, including Reg Z, Reg B, and UDAAP, to define compliant technology requirements.

Real Estate Originations, Mortgage Loan Officer

USAA FEDERAL SAVINGS BANK
San Antonio, TX
01.2015 - 01.2016
  • Outlined multiple loan types accessible to customers and detailed corresponding terms and conditions.
  • Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
  • Analyzed financial data to determine the feasibility of granting loans.
  • Reviewed credit histories, income statements, and other financial information of loan applicants.

Tax Preparer

TSAKOPULOS BROWN SCHOTT & ANCHORS
San Antonio, TX
02.2014 - 04.2014
  • Company Overview: (SEASONAL)
  • Tax Return Preparation
  • Develop and provide feedback to interns
  • Complete schedules A B C D E EIC F and SE with provided financial documents
  • Reconciliation of income and expenses for businesses, farms, and rental properties for tax reporting
  • (SEASONAL)

Bookkeeper, CRTP, Administrative Assistant

SCHMIDT & ASSOCIATES
Tustin, CA
06.2007 - 12.2013
  • Tax return preparation
  • Built database for file retention, eliminating the need for physical storage units
  • Account reconciliation and bookkeeping for Trusts and Estates
  • Auditing and processing returns
  • Preparing 1099s and associated schedules
  • Monthly bank account and property account reconciliations

Education

Some College (No Degree) - Biology

CONCORDIA UNIVERSITY IRVINE
Irvine, CA

Some College (No Degree) - Accounting

SAN ANTONIO COLLEGE
San Antonio, TX

Some College (No Degree) - Accounting

Santiago Canyon College
Orange, CA

Skills

  • Process improvement
  • Risk analysis
  • Data analysis
  • Regulatory compliance
  • Agile methodology
  • Project management
  • Business requirements
  • User story development
  • Team collaboration
  • Issue resolution
  • Workflow optimization experience
  • Change management proficiency
  • Stakeholder engagement techniques
  • Strategic planning
  • Lean six sigma
  • Team building and motivation

Accomplishments

  • Business Advisor on the following projects: Aha program development, MDX (Mortgage Digital Experience), DPX (Digital Preapproval Experience), E-sign Integration, DPA (Digital Preapproval), Dynamic Automated Account Conditions
  • Development Product Owner on the following efforts: Automated underwriting calculators within LOS, New mortgage product development and configuration, Multiple compliance related system controls, Streamlining/Automating manual processes for employees

Volunteer Experience

United Way, 2015

Timeline

Business Process Owner – Real Estate Shared Services

USAA FEDERAL SAVINGS BANK
01.2021 - 05.2025

Product Owner – Real Estate Shared Services

USAA FEDERAL SAVINGS BANK
01.2020 - 01.2021

Business Advisor, Real Estate Experience Owners

USAA FEDERAL SAVINGS BANK
10.2016 - 03.2020

Real Estate Originations, Mortgage Loan Officer

USAA FEDERAL SAVINGS BANK
01.2015 - 01.2016

Tax Preparer

TSAKOPULOS BROWN SCHOTT & ANCHORS
02.2014 - 04.2014

Bookkeeper, CRTP, Administrative Assistant

SCHMIDT & ASSOCIATES
06.2007 - 12.2013

Some College (No Degree) - Biology

CONCORDIA UNIVERSITY IRVINE

Some College (No Degree) - Accounting

SAN ANTONIO COLLEGE

Some College (No Degree) - Accounting

Santiago Canyon College

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