Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  Payne Jennifer M
 2. Date of Event Requiring Statement (Month/Day/Year)
11/23/2015		 3. Issuer Name and Ticker or Trading Symbol
UMB FINANCIAL CORP [UMBF]
(Last)
(First)
(Middle)
1010 GRAND BLVD.		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Sr. Vice President
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

KANSAS CITY, MO 64106		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
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 382.3786
I
By 401k
Common Stock 3,969.9482
D
 
Common Stock 169.3808
I
By ESOP

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 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) 11/14/2008 12/14/2015 Common Stock 400 $ 32.995 D  
Stock Option (Right to Buy) 11/13/2006 12/13/2016 Common Stock 500 $ 36.36 D  
Stock Option (Right to Buy) 11/20/2010 12/20/2017 Common Stock 700 $ 38.54 D  
Stock Option (Right to Buy) 10/17/2008 11/17/2018 Common Stock 700 $ 40.93 D  
Stock Option (Right to Buy) 01/01/2012 01/01/2019 Common Stock 362 $ 41.37 D  
Stock Option (Right to Buy) 01/01/2013 01/01/2020 Common Stock 402 $ 37.84 D  
Stock Option (Right to Buy) 01/01/2014(1) 01/01/2021 Common Stock 364 $ 41.71 D  
Stock Option (Right to Buy) 01/01/2015(2) 01/01/2022 Common Stock 427 $ 39.97 D  
Stock Option (Right to Buy) 01/01/2016(3) 01/01/2023 Common Stock 380 $ 45.58 D  
Stock Option (Right to Buy) 01/01/2017(4) 01/01/2024 Common Stock 305 $ 57.4 D  
Stock Option (Right to Buy) 02/11/2018(5) 02/11/2025 Common Stock 536 $ 51.42 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Payne Jennifer M
1010 GRAND BLVD.
KANSAS CITY, MO 64106		       Sr. Vice President  

Signatures

/s/ John C. Pauls, Attorney-in-Fact for Ms. Payne 12/03/2015
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Options vest 50% on 1/1/14, 75% on 1/1/15, and 100% on 1/1/16
(2) Options will vest 50% on 1/1/2015, 75% on 1/1/2016 and 100% on 1/1/2017.
(3) The option vests 50% on 1/1/16; 75% on 1/1/17 and 100% on 1/1/18
(4) Options vest 50% on 1/1/2017, 75% on 1/1/2018, and 100% on 1/1/2019
(5) Options will vest 50% on 2/11/2018, 75% on 2/11/2019, and 75% on 2/11/2020

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