UMB Bank

Financial Planning and Analysis

• Maintain ongoing client relationships through regular communication
• Work in consultation with clients’ other advisors
• Lead in the development of new client relationships
• Discuss investment performance, economic and market trends
• Present financial and tax planning options and opportunities

Financial Advisor

Bilingual

• Asking personalized questions to convert transactions, account maintenance and other routine service requests into cross-sell conversations that deepen client relationships while meeting the customers needs
• Personally creating sales opportunities by calling leads, visiting businesses to offer workplace banking, and developing referral networks
• Achieving your daily key performance metrics while balancing competing priorities
• Learning processes like transactions, managing a cash drawer and completing bank documentation that you consistently perform according to industry and legal standards
• Other job duties as assigned

Bilingual, Spanish Personal Banker I

Sales

• Source and develop high-net-worth client relationships through networking, referrals, and targeted outreach
• Steer administration of Client’s wealth and trust accounts by being trusted partner
• Lead high performance service delivery to clients by coordinating team delivering services
• Manage and expand high-profile client relationships
• Provide proactive solution-oriented planning for clients and coordination of wealth strategy planning goals and objectives
• Lead a proactive, high-touch communication plan for all clients
• Provide wealth management subject matter expertise
• Participate in and attend meetings and functions as assigned
• Create and lead presentations to external and internal COIs on estate planning techniques for ultra-high-net-worth individuals
• Other duties as assigned
• Serves as the primary driver of new trust relationships for the market
• Coordinates and assigns the team members of new trust relationships transitioning those accounts to those team members

Trust Sales Advisor

Manager

• Coach associates on performance; including proactive sales conversations, operational items and customer interactions.
• Assisting or providing guidance on how to handle complex account maintenance and resolve customer escalations.
• Collaborate with internal partners, such as small business officers, mortgage officers, private wealth manager and others.
• Receiving continued education and training empowering you to meet individual sales performance and operational goals.

Branch Manager

Branch Manager I

• Coach associates on performance; including proactive sales conversations, operational items and customer interactions
• Assisting or providing guidance on how to handle complex account maintenance and resolve customer escalations
• Collaborate with internal partners, such as small business officers, mortgage officers, private wealth manager and others
• Receiving continued education and training empowering you to meet individual sales performance and operational goals

Operations

• Serve as primary operational support resource for the TSYS Loyalty Platform (TLP)
• Support loyalty program research, monitoring, ticket inquiries and projects
• Monitor daily platform activity to ensure transaction accuracy, data integrity, and system performance
• Troubleshoot platform issues and coordinate resolution with TSYS and internal technology partners
• Perform testing and validation for system enhancements, configuration changes, and vendor releases
• Maintain platform documentation, workflows, and operational procedures
• Support implementation of new loyalty programs, product enhancements, and platform updates
• Execute monthly First Line of Defense (FLOD) control testing in accordance with risk and compliance requirements
• Perform assigned operational control procedures and validate adherence to policies and regulatory standards
• Document testing results, evidence, and remediation actions
• Identify operational risks, control gaps, and process deficiencies and escalate appropriately
• Support regulatory exams, audits, and internal reviews by providing documentation and operational insights
• Analyze operational data, reports, and trends to identify performance issues and improvement opportunities
• Develop operational reporting and dashboards for leadership and stakeholders
• Provide support services and administration of the UMB debit and credit card programs including but not limited to loyalty programs, terms and pricing, card features/benefits, payment processing, etc.
• Participate in cross-functional projects related to platform migrations, enhancements, and operational improvements
• Perform root cause analysis on platform and operational issues and assist with corrective action planning
• Serve as liaison between business teams, technology partners, vendors, and risk stakeholders
• Communicate operational issues, platform updates, and control findings clearly and professionally
• Support internal training and knowledge sharing related to TLP platform processes and controls

Card Operations Specialist

Security Engineer

• Define and implement enterprise-wide AI governance frameworks to ensure responsible, ethical, and compliant use of AI in financial operations.
• Develop and enforce AI security standards aligned with regulatory requirements (e.g., FFIEC, OCC, GLBA, GDPR, ISO 42001, NIST AI RMF).
• Partner with risk, compliance, and legal teams to create policies covering AI model lifecycle management, bias detection, explainability, and auditability.
• Oversee secure AI/ML solution deployment in both on-premises and cloud environments (AWS, Azure, GCP), ensuring robust data protection and encryption practices.
• Conduct AI security risk assessments, threat modeling, and red team testing for generative AI and predictive models.
• Establish monitoring frameworks for AI systems to track drift, anomalies, and adversarial threats.
• Provide architectural guidance on integrating AI platforms with existing banking systems (ACH, RTP, Wires, Core Banking, Payment Hubs).
• Lead AI security incident response and ensure remediation processes meet financial regulatory standards.
• Serve as a subject matter expert for internal stakeholders on AI governance, regulatory compliance, and ethical AI adoption.
• Mentor junior architects and engineers in AI governance and cybersecurity best practices.

AI Governance – Security Architect

Product Manager

• Create product roadmaps for the Digital Channel using industry trends, market research, Voice of Client feedback, and input from key stakeholders
• Manage multiple aspects of vendor relationships, especially exerting influence over vendors’ product roadmaps to align with the Bank’s priorities
• Hold internal and external technology partners and vendors accountable to deliver online solutions
• Analyze and report on channel usage and trends
• Partner with teams to create and prioritize features for delivery
• Serve as a Channel Subject Matter Expert for internal teams, including Line of Business partners, sales, servicing, and support groups
• Educate and communicate with partners on existing channel solutions as well as planned upcoming enhancements and progress regarding planned delivery of roadmap items
• Develop and maintain close relationships with Line of Business leaders, working collaboratively to understand and validate market needs and opportunities
• Define and create segment specific online solutions, balancing client needs while mitigating risk
• Work closely with other Product Managers to deliver new functionality and capabilities through the Digital Channels
• Identify and partner with key vendors, fin-techs, etc. to develop and expand the go-to market offerings
• Partner with internal departments (compliance and legal) to ensure that all product features and functionality meet company and regulatory standards
• Ensure all internal and external product documentation and due diligence is current
• Be an advocate for change and process improvement within and beyond the digital product team

Digital Product Manager

Data Scientist

• Work closely across the organization to develop and implement statistical analysis, artificial intelligence, machine learning processes and algorithms, and deep learning for fraud modeling
• Use dynamic techniques like Machine Learning to gain insights about the future
• Answer the “What will happen, and What should be done?” questions
• Gather business detail from peers and internal customers to adapt/enhance models
• Routinely measure model performance and implement modifications as needed

Fraud Data Scientist

• Serve as the primary operational point of contact for Visa, Mastercard, Pulse, Interlink, and any additional card networks.
• Monitor and interpret network operating rules, mandates, releases, and new requirements; assist operations with requirements for implementation or compliance.
• Manage network certifications, test cycles, and compliance timelines.
• Manage escalations related to Network issues, outages, or defects.
• Participate in the management of relationships with card processors including TSYS, FIS, Fiserv, EML, and others.
• Partner with processors to ensure successful network setup of card products, feature enhancements, fraud tools, and digital services.
• Own lifecycle management of all BINs and BIN ranges across product lines.
• Maintain the master BIN inventory including ownership, usage, tokenization eligibility, routing, and digital wallet enablement.
• Submit and manage network requests for BIN expansions, tokenization mapping, 3DS setup, routing changes, and portfolio migrations.
• Oversee token BIN mapping, eligibility, and routing.
• Ensure changes follow internal control standards and validation steps.
• Maintain documentation, workflows, and operational process maps.
• Support audits and regulatory exams.
• Lead network and processor initiatives including new products, migrations, certifications, and updates.

Lead, Card Network & Processors – Card Operations

• Create product roadmaps for assigned product suite using industry trends, market research, Voice of Client feedback, and input from key stakeholders.
• Prioritize initiatives to ensure that overall company objectives and goals are achieved.
• Assist in developing Functional Requirements/Vision Documents that define product enhancements and development initiatives.
• Manage the development of prototypes illustrating specific product enhancements and development initiatives.
• Assess clients’ and prospects’ needs, technology trends, and major competitors in order to synthesize product requirements while utilizing market / client / industry research and analysis to develop and maintain a long-range product roadmap.
• Assist in developing comprehensive business cases, including financial impact, for adding new products or changing existing products.
• Engage with internal departments (sales, operations, legal, implementation and compliance) to deliver new functionality, enhancements, and capabilities and to ensure that all product features and functionality meet company and regulatory standards.
• Partner with product marketing and sales enablement to ensure market success for product launches and enhancements.
• Engage with all internal and external product documentation is current.
• Assist with Concept, Vision, and requirements definition documents, and sales and marketing tools.
• Manage timelines and responsibilities for internal and external resources to launch products on time and within budget.
• Engage in Supplier Enablement to increase customer spend by an outreach campaign based on vendor lists obtained from customers.
• Educate and train (when applicable) other departments and teams on value/benefits of new and existing product.

Payables & Business Card Product Manager

• Perform credit underwriting related to requests for renewals, modifications, changes in terms, credit reviews and reaffirmations for the Business Banking and Small Business Banking credit portfolios.
• Perform spreading company financial statements and tax returns.
• Analyze financial statements, personal financial statements, and performance metrics for explanation of variances, to identify trends, and to address a credit strategy appropriate for the credit risk.
• Present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Portfolio Manager.
• Provide specialized risk guidance and advice on existing portfolio of watch list credits across a multi state geographical footprint.
• Secure financial information and test covenants requirements.
• Provide timely client follow up and ensure that loan servicing actions, such as past due payment collections, demand letters, law suits, and liquidations are properly administered.
• May perform site visits if needed.
• Address complaints successfully, resolve documentation exceptions and covenant requirement violations.
• Other duties as assigned.

Financial Advisor

Bilingual, Spanish Personal Banker I

Trust Sales Advisor

Branch Manager

Branch Manager I

Branch Manager

Card Operations Specialist

Branch Manager

AI Governance – Security Architect

Digital Product Manager

Fraud Data Scientist

Lead, Card Network & Processors – Card Operations

Payables & Business Card Product Manager

Branch Manager

Senior Portfolio Manager – Business Banking