Initial Statement of Beneficial Ownership (3)

FORM 3	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES	OMB APPROVAL OMB Number: 3235-0104 Estimated average burden hours per response... 0.5
	Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

1. Name and Address of Reporting Person * Odgers David Carl	2. Date of Event Requiring Statement (MM/DD/YYYY) 1/28/2020	3. Issuer Name and Ticker or Trading Symbol UMB FINANCIAL CORP [UMBF]
(Last)        (First)        (Middle) 1010 GRAND BOULEVARD	4. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director                          _____ 10% Owner ___X___ Officer (give title below)        _____ Other (specify below) Chief Accounting Officer /
(Street) KANSAS CITY, MO 64106       (City)              (State)              (Zip)	5. If Amendment, Date Original Filed(MM/DD/YYYY)	6. Individual or Joint/Group Filing(Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	2567.34	D
Common Stock	201.72	I	By ESOP
Common Stock	149.7418	I	By 401K

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security (Instr. 4)	2. Date Exercisable and Expiration Date (MM/DD/YYYY)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option (Right to Buy)	2/11/2020 (1)	2/11/2025	Common Stock	173	$51.42	D
Stock Option (Right to Buy)	2/5/2020 (2)	2/5/2026	Common Stock	167	$47.68	D
Stock Option (Right to Buy)	2/2/2019 (3)	2/2/2027	Common Stock	381	$75.25	D

Explanation of Responses:
(1)	Options will vest 100% on 2/11/2020.
(2)	Options will vest 50% on 2/5/2018, 75% on 2/5/2019, and 100% on 2/5/2020.
(3)	Options will vest 50% on 2/2/19, 75% on 2/2/20, and 100% on 2/2/21.

Reporting Owners
Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Odgers David Carl 1010 GRAND BOULEVARD KANSAS CITY, MO 64106			Chief Accounting Officer

Signatures
/s/ Megan L. Mercer, attorney-in-fact for Mr. Odgers		2/6/2020
**Signature of Reporting Person		Date