Sec Form 4 Filing - RILINGER DENNIS R @ UMB FINANCIAL CORP - 2012-07-27

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP 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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1. Name and Address of Reporting Person RILINGER DENNIS R 2. Issuer Name and Ticker or Trading Symbol UMB FINANCIAL CORP [ UMBF] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner X __ Officer (give title below) _____ Other (specify below) EVP and General Counsel (Last) (First) (Middle) 1010 GRAND BLVD. 3. Date of Earliest Transaction (MM/DD/YY) 07/27/2012 (Street) KANSAS CITY, MO64106 4. If Amendment, Date Original Filed (MM/DD/YY) 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 Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 07/27/2012 M 5,114 A $ 37.73 26,656.6209 D Common Stock 07/27/2012 M 2,912 A $ 41.37 29,568.6209 D Common Stock 07/27/2012 M 3,766 A $ 34.84 33,334.6209 D Common Stock 07/27/2012 M 5,423 A $ 38.84 38,757.6209 D Common Stock 07/27/2012 F 7,695 D $ 49.25 31,062.6209 D Common Stock 07/27/2012 S 200 D $ 49.1901 30,862.6209 D Common Stock 07/27/2012 S 500 D $ 49.2 30,362.6209 D Common Stock 07/27/2012 S 412 D $ 49.2156 29,950.6209 D Common Stock 07/27/2012 S 300 D $ 49.23 29,650.6209 D Common Stock 07/27/2012 S 1,500 D $ 49.25 28,150.6209 D Common Stock 07/27/2012 S 500 D $ 49.26 27,650.6209 D Common Stock 07/27/2012 S 88 D $ 49.28 27,562.6209 D Common Stock 07/27/2012 S 526 D $ 49.3 27,036.6209 D Common Stock 07/27/2012 S 500 D $ 49.31 26,536.6209 D Common Stock 07/27/2012 S 1,000 D $ 49.32 25,536.6209 D Common Stock 07/27/2012 S 1,000 D $ 49.33 24,536.6209 D Common Stock 07/27/2012 S 400 D $ 49.3401 24,136.6209 D Common Stock 07/27/2012 S 100 D $ 49.3402 24,036.6209 D Common Stock 07/27/2012 S 1,000 D $ 49.37 23,036.6209 D Common Stock 07/30/2012 S 200 D $ 48.945 22,836.6209 D Common Stock 07/30/2012 S 400 D $ 48.92 22,436.6209 D Common Stock 07/30/2012 S 100 D $ 48.89 22,336.6209 D Common Stock 07/30/2012 S 100 D $ 48.8701 22,236.6209 D Common Stock 07/30/2012 S 694 D $ 48.87 21,542.6209 ( 1 ) D Common Stock 2,065.5068 ( 2 ) I By Esop Common Stock 4,484 I By Ira

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5) 6. Date Exercisable and Expiration Date (MM/DD/YY) 7. Title and Amount of Underlying Securities (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4) Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares Stock Option (Right to Buy) $ 37.73 07/27/2012 M 5,114 01/01/2011( 3 ) 01/01/2018 Common Stock 5,114 $ 0 1,705 D Stock Option (Right to Buy) $ 41.37 07/27/2012 M 2,912 01/01/2012( 4 ) 01/01/2019 Common Stock 2,912 $ 0 2,912 D Stock Option (Right to Buy) $ 34.84 07/27/2012 M 3,766 01/01/2009( 5 ) 01/01/2016 Common Stock 3,766 $ 0 0 D Stock Option (Right to Buy) $ 38.84 07/27/2012 M 5,423 01/01/2010( 6 ) 01/01/2017 Common Stock 5,423 $ 0 0 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other RILINGER DENNIS R 1010 GRAND BLVD. KANSAS CITY, MO64106 EVP and General Counsel Signatures /s/ John C. Pauls, Attorney-in-fact for Mr. Rilinger 07/30/2012 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Includes shares acquired from dividend reinvestment ( 2 )Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report. ( 3 )Options will vest 50% on 1/1/2011; 75% on 1/1/2012; and 100% on 1/1/2013 ( 4 )Options will vest 50% on 1/1/2012, 75% on 1/1/2013, and 100% on 1/1/2014 ( 5 )Options vest 50% after 3years, 75% after 4 years and 100% after 5 years ( 6 )Options will vest 50% on the third 1/1/2010; 75% on the 1/1/2011; and 100% on 1/1/2012.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4(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).

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