UMB Bank

Lead technology strategy, architecture, and operations for healthcare and multi-location organizations, including cloud platform design and data analytics. | Senior technology leader with 25+ years in enterprise architecture, cloud platforms, data engineering, and healthcare systems, but no explicit AI governance or financial services regulatory experience. | UMB’s **Artificial Intelligence (AI)** team is responsible for driving automation, data-driven decision making and software modernization using AI centric tools. Currently, we leverage machine learning, natural language processing, predictive analytics, and generative AI to enhance customer experience, and improve operational efficiency. This includes utilizing fraud protection software to ensure regulatory and system availability. As an **AI Governance & Security Architect,** you will be responsible for developing and leading enterprise frameworks that ensure the ethical, secure, and compliant adoption of AI within the financial organization. You will bridge cybersecurity, risk management, and AI lifecycle governance to safeguard sensitive data and models against threats, while meeting regulatory obligations. You will also provide strategic leadership across IT, risk, compliance, and business functions to embed responsible AI practices, strengthen resilience against AI-specific risks, and enable innovation in a secure and controlled manner. This is a subset of the overall responsibilities which will include multiple initiatives as assigned by IT leadership. • *This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area but only within the US.** • *_How you’ll spend your time:_** + 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. • *_We’re excited to talk if you have:_** + Bachelor’s degree in Computer Science, Cybersecurity, Data Science, or related field and at least 7 years of professional experience in enterprise architecture, information security, or technology governance in financial services, **OR** equivalent combination of education and work experience. + Proven track record of implementing governance frameworks, risk management strategies, and compliance programs for emerging technologies. + Familiarity with financial services regulations and security requirements. + Experience collaborating with auditors, regulators, and compliance teams. + Strong understanding of AI/ML lifecycle management, including model development, validation, deployment, and monitoring. + Knowledge of data governance principles, MDM (Golden Record, Canonical Models), and regulatory compliance in financial services. + Proficiency in cloud-native AI/ML platforms (AWS SageMaker, Bedrock, Azure AI, GCP Vertex). + Familiarity with security frameworks (NIST, ISO 27001/42001, CIS Controls). + Ability to translate complex AI and security concepts into business-friendly language. • *_Bonus Points if you have:_** + Master’s degree in Information Security, Artificial Intelligence, or related discipline. + At least 10 years of experience in financial services or regulated industries. + Demonstrated leadership in AI governance, cybersecurity, or enterprise architecture initiatives. + Certifications such as CISSP, CISM, ISO 42001 Lead Auditor, or Certified AI Governance Professional. + Experience presenting to executive leadership and regulators. + Hands-on experience with AI observability tools (e.g., Fiddler, Arize, MLflow). + Familiarity with secure federated learning, differential privacy, and adversarial ML defenses. + Experience leading cross-functional AI security initiatives in regulated industries. + Advanced knowledge of cryptography, data anonymization, and AI-driven fraud detection techniques. • *Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.** Application Deadline: March 28, 2026 • *Compensation Range:** $83,200.00 - $178,800.00 _The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. • *Are you ready to be part of something more?** You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _talentacquisition@umb.com_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy\_Notice\_for\_California\_Candidates\_Original\_file.pdf) _to understand how we collect and use your personal information when you apply for employment with UMB._ • *_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB\_Tuce\_Book\_Original\_file.pdf) Check out the road to a career at UMB UMB’s **Artificial Intelligence (AI)** team is responsible for driving automation, data-driven decision making and software modernization using AI centric tools. Currently, we leverage machine learning, natural language processing, predictive analytics, and generative AI to enhance customer experience, and improve operational efficiency. This includes utilizing fraud protection software to ensure regulatory and system availability. As an **AI Governance & Security Architect,** you will be responsible for developing and leading enterprise frameworks that ensure the ethical, secure, and compliant adoption of AI within the financial organization. You will bridge cybersecurity, risk management, and AI lifecycle governance to safeguard sensitive data and models against threats, while meeting regulatory obligations. You will also provide strategic leadership across IT, risk, compliance, and business functions to embed responsible AI practices, strengthen resilience against AI-specific risks, and enable innovation in a secure and controlled manner. This is a subset of the overall responsibilities which will include multiple initiatives as assigned by IT leadership. • *This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area but only within the US.** • *_How you’ll spend your time:_** + 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. • *_We’re excited to talk if you have:_** + Bachelor’s degree in Computer Science, Cybersecurity, Data Science, or related field and at least 7 years of professional experience in enterprise architecture, information security, or technology governance in financial services, **OR** equivalent combination of education and work experience. + Proven track record of implementing governance frameworks, risk management strategies, and compliance programs for emerging technologies. + Familiarity with financial services regulations and security requirements. + Experience collaborating with auditors, regulators, and compliance teams. + Strong understanding of AI/ML lifecycle management, including model development, validation, deployment, and monitoring. + Knowledge of data governance principles, MDM (Golden Record, Canonical Models), and regulatory compliance in financial services. + Proficiency in cloud-native AI/ML platforms (AWS SageMaker, Bedrock, Azure AI, GCP Vertex). + Familiarity with security frameworks (NIST, ISO 27001/42001, CIS Controls). + Ability to translate complex AI and security concepts into business-friendly language. • *_Bonus Points if you have:_** + Master’s degree in Information Security, Artificial Intelligence, or related discipline. + At least 10 years of experience in financial services or regulated industries. + Demonstrated leadership in AI governance, cybersecurity, or enterprise architecture initiatives. + Certifications such as CISSP, CISM, ISO 42001 Lead Auditor, or Certified AI Governance Professional. + Experience presenting to executive leadership and regulators. + Hands-on experience with AI observability tools (e.g., Fiddler, Arize, MLflow). + Familiarity with secure federated learning, differential privacy, and adversarial ML defenses. + Experience leading cross-functional AI security initiatives in regulated industries. + Advanced knowledge of cryptography, data anonymization, and AI-driven fraud detection techniques. • *Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.** Application Deadline: March 28, 2026 • *Compensation Range:** $83,200.00 - $178,800.00 _The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. • *Are you ready to be part of something more?** You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _talentacquisition@umb.com_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy\_Notice\_for\_California\_Candidates\_Original\_file.pdf) _to understand how we collect and use your personal information when you apply for employment with UMB._ • *_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB\_Tuce\_Book\_Original\_file.pdf) Check out the road to a career at UMB

Design and implement enterprise-scale AI data architectures to enable secure, scalable, and compliant AI adoption in financial services. | 7+ years in data architecture or large-scale data engineering, experience with AI/ML data platforms, strong data governance and compliance knowledge, and proficiency with cloud data platforms and big data tools. | UMB’s Artificial Intelligence (AI) team is responsible for driving automation, data-driven decision making and software modernization using AI centric tools. Currently, we leverage machine learning, natural language processing, predictive analytics, and generative AI to enhance customer experience, and improve operational efficiency. This includes utilizing fraud protection software to ensure regulatory and system availability. As AI Data Architect, you will be responsible for designing and implementing enterprise-scale data architectures that enable secure, scalable, and compliant adoption of AI across the financial organization. You will bridge advanced data engineering, governance, and AI/ML model lifecycle requirements to ensure reliable, ethical, and regulatory-compliant use of data. You will also provide strategic leadership in modernizing data ecosystems, enabling advanced analytics, and aligning AI-ready data platforms with business priorities in payments, risk management, compliance, and customer experience. This is a subset of the overall responsibilities which will include multiple initiatives as assigned by IT leadership. This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area. However, the remote location must within the US. How you’ll spend your time: • Define and implement enterprise-wide AI data architecture strategies to enable secure, scalable, and compliant AI/ML adoption across the organization. • Design canonical data models, metadata frameworks, and pipelines to support AI/ML model development, training, deployment, and monitoring. • Establish standards for data quality, lineage, master data management (MDM), and “golden record” frameworks to ensure reliable AI outputs. • Collaborate with data governance, compliance, and security teams to enforce policies for ethical and responsible AI data usage. • Architect and oversee AI-ready data platforms (cloud, hybrid, and on-prem) to integrate structured, unstructured, and streaming data sources. • Implement modern data architectures (e.g., data mesh, data fabric, Lakehouse, Apache Iceberg/Delta Lake) to accelerate AI/ML projects. • Optimize AI/ML workloads on cloud platforms (AWS, Azure, GCP) and manage data pipelines using tools like Kafka, Glue, Spark, and Snowflake. • Partner with AI engineers, data scientists, and business leaders to align data architecture with financial products, regulatory compliance, and risk management needs. • Provide architectural leadership in modernization efforts (real-time payments, fraud detection, personalization engines, and regulatory reporting. We’re excited to talk if you have: • Bachelor’s degree in Computer Science, Information Systems, Data Engineering, or related field and at least 7 years of experience in data architecture, enterprise data management, or large-scale data engineering, OR equivalent combination of education and work experience. • Proven experience designing and implementing enterprise data platforms supporting AI/ML initiatives. • Strong understanding of data governance, regulatory requirements, and compliance in financial services. • Experience partnering with cross-functional teams to deliver enterprise-grade data solutions. • Expertise in enterprise data architecture frameworks, canonical models, and metadata management. • Knowledge of AI/ML lifecycle data requirements, including model training, validation, and monitoring. • Proficiency with cloud data platforms (AWS Redshift, Snowflake, Azure Synapse, GCP BigQuery). • Familiarity with big data and streaming platforms (Kafka, Spark, Flink). • Strong skills in database technologies (SQL, NoSQL, graph databases) and data integration patterns. Bonus Points if you have: • Master’s degree in Data Science, Information Management, or related discipline and at least 10 years of experience in financial services or regulated industries. • Certifications such as AWS Certified Data Analytics – Specialty, Google Professional Data Engineer, or DAMA CDMP. • Regulatory reporting, risk data aggregation, and AI-specific compliance frameworks experience. • Experience presenting and defending architectural decisions with senior executives and regulators. • Hands-on experience with data Lakehouse technologies (Apache Iceberg, Delta Lake, Hudi). • Advanced knowledge of MDM, data mesh, and distributed architectures. • Experience with AI observability and monitoring tools for data pipelines. • Familiarity with privacy-preserving technologies (differential privacy, secure multiparty computation). • Deep understanding of AI-driven data applications in banking (fraud detection, personalization, regulatory reporting). Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position. Application Deadline: April 28, 2026 Compensation Range: $83,200.00 - $178,800.00 The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information. UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. Are you ready to be part of something more? You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy_Notice_for_California_Candidates_Original_file.pdf) to understand how we collect and use your personal information when you apply for employment with UMB. Who we are We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB_Tuce_Book_Original_file.pdf) Check out the road to a career at UMB

Assist Real Estate Group lenders and portfolio managers with loan underwriting, risk management, documentation, and customer service tasks. | Bachelor's degree, 1+ years banking or regulatory experience, strong communication, credit underwriting knowledge, proficiency in Word, Excel, PowerPoint, and familiarity with commercial lending software. | This role is responsible for assisting Real Estate Group (REG) Lenders in the analysis of new REG loan opportunities and Portfolio Managers (Levels 1, 2 & Sr) in various REG portfolio management activities. Real Estate Group (REG) loans generally consist of non-owner occupied CRE loans. Key highlights of the role will include the following: Partner with Relationship and Portfolio Managers to effectively administer the underwriting and risk management of a variety of REG loan relationships; Request financials from Borrowers and clear associated ticklers; Monitor and document covenant compliance in Capital Stream; Work within protocols and maintain tracking of documentation exceptions, past dues, and covenant exceptions; Create finance request and upload incoming loan applications and related loan documents to Capital Stream; Assure applications are complete; For incomplete applications, communicate with UMB sales associate to collect missing loan application checklist items; Forward complete applications to underwriting; Manage Group Mailbox inquiries and respond in timely fashion; Assist in monitoring and collection of past due loan payments; Complete financial spreads upon receipt in Moody’s; inform Portfolio Manager when covenant test is ready to complete; Assist in spreading for all regions as requested; Review loan documentation prior to closing for discrepancies from the original approval, communicate any discrepancies and input covenants into Capital Stream after closing, and deactivate covenants as loans pay off; Write approval memos should changes to reporting requirements be necessary after loan closing; Provide recurring customer service to existing and prospective clients, which may include direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times; Assist as needed with appraisal service requests and environmental requests and coordinate with appropriate parties throughout the appraisal and environmental process; Pull Thomson Reuters reports, create customers and requests in Capital Stream, assist in closing process, assist in setting up ShareFile for customers and download/organize documents when requested by REG lenders, Portfolio Managers, the REG Portfolio Administration Manager or the REG regional manager; Other duties as assigned. Must have Bachelor’s degree and 1+ years banking or equivalent regulatory/bank policy experience; Current valid driver’s license; Strong communication skills (verbal & written); Understanding of credit underwriting; Ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents; Knowledge of bank products, services, and bank operations; Ability to be self-starter and show initiative; Proficiency in Word, Excel, PowerPoint; and familiarity with commercial lending software **Compensation Range:** $44,790.00 - $86,510.00 _The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _talentacquisition@umb.com_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy\_Notice\_for\_California\_Candidates\_Original\_file.pdf) _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB\_Tuce\_Book\_Original\_file.pdf) Check out the road to a career at UMB This role is responsible for assisting Real Estate Group (REG) Lenders in the analysis of new REG loan opportunities and Portfolio Managers (Levels 1, 2 & Sr) in various REG portfolio management activities. Real Estate Group (REG) loans generally consist of non-owner occupied CRE loans. Key highlights of the role will include the following: Partner with Relationship and Portfolio Managers to effectively administer the underwriting and risk management of a variety of REG loan relationships; Request financials from Borrowers and clear associated ticklers; Monitor and document covenant compliance in Capital Stream; Work within protocols and maintain tracking of documentation exceptions, past dues, and covenant exceptions; Create finance request and upload incoming loan applications and related loan documents to Capital Stream; Assure applications are complete; For incomplete applications, communicate with UMB sales associate to collect missing loan application checklist items; Forward complete applications to underwriting; Manage Group Mailbox inquiries and respond in timely fashion; Assist in monitoring and collection of past due loan payments; Complete financial spreads upon receipt in Moody’s; inform Portfolio Manager when covenant test is ready to complete; Assist in spreading for all regions as requested; Review loan documentation prior to closing for discrepancies from the original approval, communicate any discrepancies and input covenants into Capital Stream after closing, and deactivate covenants as loans pay off; Write approval memos should changes to reporting requirements be necessary after loan closing; Provide recurring customer service to existing and prospective clients, which may include direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times; Assist as needed with appraisal service requests and environmental requests and coordinate with appropriate parties throughout the appraisal and environmental process; Pull Thomson Reuters reports, create customers and requests in Capital Stream, assist in closing process, assist in setting up ShareFile for customers and download/organize documents when requested by REG lenders, Portfolio Managers, the REG Portfolio Administration Manager or the REG regional manager; Other duties as assigned. Must have Bachelor’s degree and 1+ years banking or equivalent regulatory/bank policy experience; Current valid driver’s license; Strong communication skills (verbal & written); Understanding of credit underwriting; Ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents; Knowledge of bank products, services, and bank operations; Ability to be self-starter and show initiative; Proficiency in Word, Excel, PowerPoint; and familiarity with commercial lending software **Compensation Range:** $44,790.00 - $86,510.00 _The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _talentacquisition@umb.com_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy\_Notice\_for\_California\_Candidates\_Original\_file.pdf) _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB\_Tuce\_Book\_Original\_file.pdf) Check out the road to a career at UMB

Manage and develop digital banking online and mobile solutions, partner with vendors and internal teams, and develop strategic roadmaps. | 7+ years of product management experience, digital channel expertise, strong communication skills, and experience in financial services or banking. | The **Digital Channels Product** group delivers online and mobile solutions for the Bank’s clients, including consumers, small businesses, and corporates. As the **Senior Digital** **Product Manager,** you will be a thought leader around the execution of our digital strategy and responsible for prioritizing and managing the delivery of the Bank’s online solutions. • *This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area but only within the US.** • *_How you’ll spend your time:_** + 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. • *_We’re excited to talk if you have:_** + An undergraduate degree and 7+ years of product management experience and 5+ years digital channel experience **OR** any combination of education and experience that would provide an equivalent background. + Demonstrated strong interpersonal and communication skills. + Experience to gain influence and cross functional consensus. + Experience interpreting market and financial data to align strategies as well as build innovation around the products. + Success in prioritizing your daily workload to meet expected deadlines. + Proven history of results leading teams to deliver projects on time, within budget, and according to plan. + Crafted strategic plans as well as translating those plans into action resulting in successful implementations. + Successfully prioritized product backlogs by assessing the value, effort and risk of various items, including new features and functionality, channel enhancements and improvements, project cross impacts, defects and bug fixes, etc. + Created compelling business cases for digital channels, including accurate assessment of ROI based on income related to increased deposits, and/or revenue, and/or interest. + Experience in Financial Services or a related field. + Solid understanding of Payments, inclusive of P2P, B2C, C2B and B2B payments. + Experience leading channel or system conversions and/or upgrades. • *_Bonus Points if you have:_** + Digital product experience within the banking industry. • *Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.** Application Deadline: March 19, 202 • *Compensation Range:** $83,200.00 - $178,800.00 _The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. • *Are you ready to be part of something more?** You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _talentacquisition@umb.com_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy\_Notice\_for\_California\_Candidates\_Original\_file.pdf) _to understand how we collect and use your personal information when you apply for employment with UMB._ • *_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB\_Tuce\_Book\_Original\_file.pdf) Check out the road to a career at UMB The **Digital Channels Product** group delivers online and mobile solutions for the Bank’s clients, including consumers, small businesses, and corporates. As the **Senior Digital** **Product Manager,** you will be a thought leader around the execution of our digital strategy and responsible for prioritizing and managing the delivery of the Bank’s online solutions. • *This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area but only within the US.** • *_How you’ll spend your time:_** + 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. • *_We’re excited to talk if you have:_** + An undergraduate degree and 7+ years of product management experience and 5+ years digital channel experience **OR** any combination of education and experience that would provide an equivalent background. + Demonstrated strong interpersonal and communication skills. + Experience to gain influence and cross functional consensus. + Experience interpreting market and financial data to align strategies as well as build innovation around the products. + Success in prioritizing your daily workload to meet expected deadlines. + Proven history of results leading teams to deliver projects on time, within budget, and according to plan. + Crafted strategic plans as well as translating those plans into action resulting in successful implementations. + Successfully prioritized product backlogs by assessing the value, effort and risk of various items, including new features and functionality, channel enhancements and improvements, project cross impacts, defects and bug fixes, etc. + Created compelling business cases for digital channels, including accurate assessment of ROI based on income related to increased deposits, and/or revenue, and/or interest. + Experience in Financial Services or a related field. + Solid understanding of Payments, inclusive of P2P, B2C, C2B and B2B payments. + Experience leading channel or system conversions and/or upgrades. • *_Bonus Points if you have:_** + Digital product experience within the banking industry. • *Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.** Application Deadline: March 19, 202 • *Compensation Range:** $83,200.00 - $178,800.00 _The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. • *Are you ready to be part of something more?** You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _talentacquisition@umb.com_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy\_Notice\_for\_California\_Candidates\_Original\_file.pdf) _to understand how we collect and use your personal information when you apply for employment with UMB._ • *_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB\_Tuce\_Book\_Original\_file.pdf) Check out the road to a career at UMB

Lead and coordinate all aspects of the project life cycle for onboarding new clients in Commercial Bank, focusing on Treasury Management services. Manage client communication, project updates, and ensure successful implementation of services. | Candidates must possess a high school diploma or equivalent and have at least 5 years of proven program implementation or service experience. A strong understanding of commercial treasury products and bank platforms is also required. | As the Commercial Implementation Specialist, you will be responsible for leading and coordinating all aspects of the project life cycle with responsibility for the client journey through the implementation of new clients in Commercial Bank, supporting Treasury Management onboarding efforts across the entire Commercial footprint which includes set up of programs and any design. How you will spend your time: You will onboard Treasury Management services for new clients to the bank, client projects with extended time frames, and technical client setups. You will manage the onboarding by identifying and coordinating appropriate bank resources by partnering with internal areas/departments to ensure services are onboarded properly. You will provide consultation for TMO and their clients in the program design and implementation process, as well as data extract design for data integration with clients’ internal systems. You will translate client needs information received into an optimal system design. You will prepare and coordinate appropriate client documentation for onboarding of client Treasury Management Services where needed. You will present technical and applicable product material while training new clients on UMB applications and navigation of UMB platforms. You will schedule and lead project calls with clients and key business partners. You will lead collaboration with the project core team to develop and execute the implementation project plan, establishing clear expectations and providing transparency of timelines using project management principles and practices. You will ensure deal deliverables are met and holds task owners accountable by managing implementation issues, escalations, and error resolution. You will manage and coordinate client and internal partner communication and status updates, including senior stakeholders. You will demonstrate creative problem solving and solid judgment/decision making. You will take ownership, escalation, and resolution of risk issues. You will manage clear expectations and understanding, internally and externally by establishing clear timelines and managing documentation requirements. You will update project tracking tool ensuring updates are clear, concise, and audience specific and provide project updates in a timely and accurate manner, ensuring stakeholders and business leaders receive an accurate and concise status of each project. You will act as a subject matter expert, provides training to clients. You will work with QA group to ensure test plans have been developed and all parties have properly tested. You will oversee transition and handoff from project to service support. You will complete special projects and other duties as assigned. We’re excited to talk with you if: You possess a high school diploma or equivalent and 5+ years proven program implementation or service experience. You have project management experience, OR any combination of education and experience that would provide an equivalent background. You have in depth understanding of customer facing internet-based applications. You have great understanding of commercial treasury products. You have working knowledge and understanding of implementation, servicing, and operational processes, preferably at a financial services company. You have working knowledge of bank platforms, systems, products. You have proficiency of Microsoft Office suite (Excel, Word, PowerPoint, Project). You have knowledge and understanding of Web-based Treasury applications, including but not limited to Pep+, mainframe, UMB Direct, UMB Online Banking or equivalent. You have knowledge and understanding of Cash Management products. Compensation Range: $56,890.00 - $109,270.00 The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information. UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. Are you ready to be part of something more? You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB. Who we are We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision Check out the road to a career at UMB