UMB Healthcare Services’ CEO & leadership team hold roles in a variety of national organizations including the American Bankers Association’s HSA Council and the Employers Council on Flexible Compensation Board of Directors.

Executive Leadership
Begonya Klumb
Chief Executive Officer,UMB Healthcare Services

Begonya Klumb is CEO of UMB Healthcare Services. Begonya brings 20 years of financial industry acumen, leadership and strong M&A experience to the role. Prior to this position, she held positions at UMB Financial Corporation as Chief Strategy Officer and Executive Vice President, Director of Corporate Strategy and Development, Director of Financial Planning & Analysis, Director of Mergers & Acquisitions and Director of Corporate Strategy and Investor Relations.

Prior to joining UMB in June 2003, Klumb worked in New York doing investment banking with Citigroup, consulted with Deloitte in London, worked in Germany for the global manufacturing giant BOSCH, and spent the first years of her career working in the banking industry in Spain.

She and her husband Jason live with their two children in Kansas City, Missouri, where Begonya is very active in the community, including involvement as a member of the Kansas City Ballet, commissioner of Kansas City’s Summer Youth Employment Commission, former chair of the Mattie Rhodes Center board, co-chair of Académie Lafayette's successful $3.5 million capital campaign, former treasurer of the Midwest Christian Counseling Center, and a member of the Central Exchange. Begonya has received several awards including KC Business Magazine’s Influential Women (2014), KC Business Journal’s Women Who Mean Business (2015) and American Banker Association’s Most Powerful Women in Banking – Top 25 Women to Watch (2015).

A native of Spain, Klumb studied economics at the University of Alicante. She completed a master’s degree in European Enterprise Management in England and Germany before heading to the US, where she earned an M.B.A. at Yale University in 2003.  

Ben Morris
President,UMB Healthcare Services

Ben Morris is President of UMB Healthcare Services. He has been with UMB for 16 years and part of the HCS leadership team for the past 12 years.

Ben has been instrumental in helping to grow the HCS business to nearly $2 billion in deposits and more than 988,000 health savings accounts, along with over 5.6 million multi-purpose benefit cards. In addition, he also helped to launch other healthcare products such as payer to provider virtual cards and the health claims portal, HealthPay View.

He started his career at UMB in 1998 and has worked in several different areas of the bank including Treasury Management, Merchant Services and Healthcare Services. 

Ben graduated from the University of Missouri and has his Executive MBA degree from Rockhurst University.

Ben is known as a thought leader throughout the country on a range of topics related to healthcare financial products and services and healthcare reform.

Linda Brockman
Senior Vice President,Manager Card Strategy

Linda Brockman is a Senior Vice President, Manager of Card Strategy, at UMB Healthcare Services. She is responsible for the Bank’s healthcare card operations team including debit card issuance for Health Savings Accounts, Flexible Spending Accounts and Health Reimbursement Arrangements. Linda also has responsibility for working with the Card Associations—Visa®, MasterCard® and the STAR® PIN network.

She has over 33 years experience in the banking industry. Linda has been with UMB Bank since 1980 and has managed the card services customer service, settlement, security and project management departments.

Matt Coffelt
Senior Vice President,Chief Information Officer

Matt Coffelt is Senior Vice President and Chief Information Officer of UMB Healthcare Services. Matt is responsible for the technical direction and leadership within the HCS technical team. Matt specializes in bringing technical innovation, successful outcomes, process improvements to our application and technical portfolio. Prior to joining UMB in July 2014, Matt’s background included supporting healthcare product and service delivery solutions for technology, healthcare, and financial organizations.

Jeff Costello
Senior Vice President,Director Operations

Jeff Costello is Senior Vice President, Director of Operations for UMB Healthcare Services. Jeff provides strategic leadership through ensuring UMB Healthcare Services (HCS) has the proper operational controls, procedures, people and systems in place to effectively grow the organization. He ensures operating efficiency and excellent customer service delivery, while fostering a continuous improvement culture across all HCS areas.

Jeff has previously served in a number of roles for UMB Healthcare Services including Director of Risk and Compliance, Client Experience Manager and Senior Business Development Representative. Jeff has spent his career building strong relationships with partners, working to deliver solutions to address a client’s unique need. He also identifies and champions improvements to internal processes. Jeff has been with UMB since 2006.

Duane Fischer
Senior Vice President,HSA Implementation

Duane Fischer is Senior Vice President, HSA Implementation of UMB Healthcare Services. He is responsible for implementation services to integrate new partners, including post-implementation daily operational processes.

Duane has more than 25 years of experience with UMB.

Renee Lutzen
Senior Vice President,Healthcare Product Management

Renee Lutzen is Director Healthcare Product Management of UMB Healthcare Services. In this role, she both defines and executes the product strategy for the Healthcare Services division. She also leads product development and management activities, and ensures the division delivers innovative payment solutions. Additionally, Renee collaborates with other bank segments to launch products and product enhancements.

Prior to joining UMB, Renee acted as senior director of prepaid employee benefits at Visa, Inc. in San Francisco, Calif. In that position, she was responsible for developing and delivering product strategies for all prepaid employee benefit products

Renee has more than 20 years of financial services experience, and holds a Bachelor of Science degree in business and marketing from Iowa State University in Ames, Iowa. She is a named inventor on two issued and four pending U.S. patents related to healthcare payment technologies.

Renee is actively engaged in the industry, previously serving as a board member for a variety of organizations including the Employer’s Council for Flexible Compensation, the American Bankers Association HSA Council and the Special Interest Group for IIAS Standards. She is also a member of the Network Branded Prepaid Card Association.

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