About UMB Healthcare Services
UMB Healthcare Services, a division of UMB Bank, n.a., delivers healthcare payment solutions including custodial services for health savings accounts (HSAs) and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers and financial institutions.
UMB gained a leadership position when it became one of the first banks to market Archer Medical Spending Accounts in 1996. It has since received national recognition as one of the leading custodians in the country. This experience, combined with powerful processing capabilities, differentiates UMB’s HSA from the competition. UMB Healthcare Services is one of the top 6 custodians, by total accounts, in the country with account holders throughout the nation.
Today, UMB Healthcare Services provides solutions for 5.8 million healthcare spending account cards, including nearly 1.5 million HSAs, with more than $3.75 billion in HSA assets and deposits.
Talk to a Sales Representative
Regional UMB Sales Representatives are available for assistance with partner support, employer support, and HDHP/HSA education.
Leadership
UMB Healthcare Services’ leadership team hold roles in a variety of national organizations including the American Bankers Association’s HSA Council, America’s Health Insurance Plans’ HSA Council and the Employers Council on Flexible Compensation Board of Directors.
Phil Mason
President Institutional Banking
Phil Mason is president of Institutional Banking, which incorporates capital markets, corporate trust, custody, fund services, healthcare services, investor solutions, public finance, and specialty trust and agency solutions.
Phil has assumed successively broader management roles since joining UMB in 2005. Prior to his current role, he served as executive vice president, chief operating officer for Institutional Banking and director of Healthcare Services. Additional roles include senior vice president, executive operating officer for Institutional Banking, and senior vice president, director relationship management and support for Institutional Asset Management.
Phil earned a bachelor’s degree in finance and economics from the University of Illinois Champaign-Urbana and a Master of Business Administration in finance and management from Rockhurst University. He was a member of Ingram’s Magazines “40 Under Forty” class of 2022.
Phil serves on the board of St. Michael’s Veteran’s Center, which provides long term housing to veterans in Kansas City. He also serves on the board of Inclusion Connections, a non-profit that provides social, educational and employment opportunities for young people with developmental disabilities. Additionally, Phil serves as a ministry volunteer at Christ Community Church.
Phil holds the FINRA Series 52, 53, 7, 24 and 66 licenses.
Brian Hutchin
Executive Vice President and Director, UMB Healthcare Services
Brian Hutchin is executive vice president and director of UMB Healthcare Services. He is responsible for the overall administration of the Healthcare division, including national strategy, sales, operations, technology, project implementation and relationship management. Brian brings 30 years of corporate, institutional, and healthcare industry experience to the role.
Additionally, Brian serves as an executive team member for the Institutional Banking division, providing input on the strategic direction of the department and the overall growth of the business. Previously, Brian was executive vice president, director of national sales and strategy for UMB Healthcare Services where he played a critical role in overhauling the company’s approach in the consumer-directed healthcare accounts space.
Brian earned a Bachelor of Science in business administration and management from the University of Central Missouri, and he is also a Certified Treasury Professional (CTP). He currently serves as treasurer and executive committee member for the American Bankers Association Health Savings Account (HSA) Council. Brian regularly advocates in Washington on behalf of ABA members, individuals, and UMB clients to preserve and expand Americans’ ability to pay for healthcare with an HSA through federal legislation. Brian is also a treasurer and executive committee member of the board of the directors for the Employers Council on Flexible Compensation (ECFC), a nonprofit organization supporting tax-advantaged benefit programs that facilitate choice for employers and their employees.
Chris Albright
Senior Vice President, Institutional Banking Executive Operating Officer and HCS Administration
Christopher (Chris) Albright joined UMB in 2011 and is the Executive Operating Officer for Institutional Banking. As a part of this role, he oversees the financial aspects of Healthcare Services (HCS) and helps align the strategic plans and initiatives for the division. Chris also has responsibility outside of HCS supporting other areas within Institutional Banking.
Previously at UMB, Chris held roles as the Director of Administration for UMB Healthcare Services and as a Unit Finance Manager in the Line Finance organization. Prior to joining UMB, he served in positions at Citigroup and Sprint as Senior Finance Manager and Operations Manager, respectively. He has more than 20 years of experience in the financial services industry.
Chris has a Bachelor of Science degree in finance from Missouri State University, and a Master of Business Administration degree from Rockhurst University. He is also a graduate of the Leadership Northland program through the Northland Regional Chamber of Commerce.
Chris is active in his community and serves as Vice President of the Board of Directors for Heartland Center for Behavioral Change, an organization that provides behavior healthcare and substance use disorder services.
Chelsey Renfro
Senior Vice President, Director HCS Administration
Chelsey Renfro is senior vice president, director of HCS Administration for UMB Healthcare Services. In this role, she leads the oversight of the Healthcare Services account management and client experience team, healthcare operations and client billing, and HCS support functions. She also collaborates with HCS directors and leadership teams on strategy, products, and other key initiatives.
Chelsey has 19 years of experience in the financial services industry. Prior to her current role, Chelsey was manager of HCS operations and supervisor of HCS operations at UMB Bank.
Chelsey is the recipient of the 2021 UMB Leadership award and is a graduate of the Central Exchange emerging leadership program.
Colleen Squire
Senior Vice President, Director Institutional Banking Compliance
Colleen Squire is a senior vice president and the director of compliance for UMB’s Institutional Banking division. She joined UMB in 2016 and currently provides risk and compliance support to UMB Healthcare Services, as well as UMB Funds Services and Corporate Trust. In her current role, Colleen works with her business partners to ensure compliance with applicable laws, rules and regulations, and to develop programs, systems and controls designed to identify and mitigate the unique risks of each business. She is also responsible for completing due diligence and managing the ongoing risk presented by third-party clients, and for the creation and management of first line of defense programs for the groups she supports.
Before joining Institutional Banking, Colleen managed the compliance and oversight programs for the Consumer Banking division, and provided regulatory compliance support to various lines of business through her role as a senior compliance analyst as a part of UMB’s Corporate Compliance group. Colleen began her career with US Bank, where she spent nine years in a variety of roles throughout the consumer bank, including her role as a district operations manager, where she oversaw the daily operations of fifty-four branches across the United States. In total, Colleen has over 15 years of experience in the financial services industry.
Colleen currently maintains her Certified Regulatory Compliance Manager certification and has earned a Bachelor of Science degree in criminology and a Bachelor of Science degree in sociology from the University of Missouri in Kansas City, Missouri.
Matt Coffelt
Executive Vice President, Director HSA Implementation
As UMB executive vice president, director of HSA Implementation, Matt Coffelt draws on more than 21 years of experience in IT and application development leadership. In his role, Matt ensures the delivery of implementation services to integrate new HSA partners, post-implementation, and customer success delivery, and provides HSA customers with consulting and program management services.
Before joining UMB, Matt worked for Commerce Bank as an IT manager for its commercial, trust, lending, and treasury banking divisions, providing application development leadership in his tenure there. Matt also has experience in the healthcare industry within experience in Electronic Medical Record Systems and overall implementation for EMR’s in two hospital systems in Missouri and Kansas.
Matt earned a Bachelor of Science degree in computer information systems, with an emphasis in application development, and a minor in economics from Missouri State University in Springfield, Mo. He broadened his higher education in two graduate programs at the University of Missouri in Columbia, Mo., earning master’s degrees in both health administration (MHA) and health informatics (MHI).
Active in his community and alma maters, Matt previously served as a Kansas City United Way Corporate Ambassador. He has served as a member of Missouri State University’s Digital Advisory Council and Computer Information Systems Alumni Employer Group. Matt is also a member of the University of Missouri School of Medicine/Health Management Active Alumni Association. Matt also enjoys volunteering and being an assistant coach for the local youth soccer groups locally.
Mark Robich
Senior Vice President, Manager HCS Sales
Mark Robich is a senior vice president and sales manager for UMB Healthcare Services. He has spent almost two decades managing sales teams and selling consumer directed healthcare solutions across the country. Since joining the financial services industry, Mark has had great success driving large implementations and strategic planning that incorporates multiple partners and stakeholders.
Prior to joining UMB, Mark was the Director of Business Development at Fifth Third Bank. His early career was dedicated to high tech sales and infrastructure builds in the data center.
Mark earned his bachelor’s degree from Miami University, and he holds an MBA from Bellarmine University with Beta Gamma Sigma distinction. Most recently, he earned an International Business Strategy degree from ESCP Business School in Madrid.
Ruste Pontenberg
Senior Vice President, Manager HCS Sales
Ruste Pontenberg joined UMB in 2011 and is a senior vice president and manager of healthcare services sales. As part of UMB’s Healthcare Services division, Ruste is primarily responsible for managing the company’s HSA portfolio by creating and maintaining relationships with new and existing HSA employer groups, insurance brokers and consultants.
He brings more than 35 years of experience in the financial services industry to the role. In addition to managing relationships with various stakeholders, Ruste also develops HSA education programs for brokers, employers and employees, and leads UMB’s HSA sales and operations teams.
Prior to UMB, Ruste held VP roles with Fifth Third Bank and Three Rivers Federal Credit Union. He graduated with a Bachelor of Science degree in General Business Administration from Ball State University, and he also holds a graduate level banking degree from the Pacific Coast Banking School.
Debbie Johnson
Vice President and Director of Service Center and Support
Debbie Johnson has been a part of UMB since 1990 and now holds the position of Vice President and Director of Service Center and Support. Her primary responsibility is to oversee customer service, including Healthcare, Online Banking, and Institutional and Consumer Debit cards. In her role, Debbie collaborates with business partners to ensure that the service teams have the necessary product and operational knowledge to provide a high-quality experience for clients.
Before joining the Service Center, Debbie worked in and managed several branches. She later moved on to manage the Consumer Banking Support Operation group. She has worked in the Service Center for the past ten years, most recently as a Senior Manager of Customer Service.
Brian Henry
Vice President, Corporate Legal Counsel
Brian is corporate legal counsel for UMB Healthcare Services. Prior to joining UMB, Brian was senior counsel at Citigroup, Inc. in New York, NY, where he was responsible for multiple business units and products. Prior to Citigroup, he was an associate at Clifford Chance in New York. In total Brian has over 20 years of banking and financial legal experience working across a wide variety of issues and businesses.
Brian is a graduate of the University of Kansas Business School and the University of Virginia Law School.
LouAnn Anstis
Vice President, Benefit Card Program Management
LouAnn Anstis is vice president, benefit card program management for UMB Healthcare Services. She is an experienced and trusted leader in prepaid and debit card program management with over 20 years in operational and regulatory compliance within financial and healthcare services. LouAnn believes compliance comes first in card program management, with the real work, which she enjoys the most, in ensuring that operationally the program runs efficiently and effectively for the card cardholder and is finically viable for the program owner.
Prior to joining UMB, LouAnn was director of compliance, risk and program management for TSYS, With over a decade at TSYS, LouAnn worked with many prepaid clients and issuing financial institutions, to develop card programs and management tools to support regulatory compliance, mitigate risks and enable client innovation. Before joining TSYS, LouAnn was privacy officer and compliance manager for AltaCare Corporation, a national long-term care company where her focus was on HIPAA implementation.
LouAnn is active in the financial industry, participating in the Employers Council on Flexible Compensation (ECFC), she has been a speaker at several prepaid conferences over the years such as Money2020, the Power of Prepaid and the VISA Forum. LouAnn was a prior board member of the Network Branded Prepaid Card Association, now called the Innovative Payments Association.
Leigh Perkins
Senior Vice President, HR Business Partner
Leigh Perkins joined UMB in November 2010. She currently serves as the organizational performance consultant and HR Business Partner for Institutional Banking, Corporate Finance and Corporate Marketing. Ms. Perkins partners with senior leaders to drive business results by actively engaging in the development and execution of human capital business strategies. She builds and maintains partnerships with key stakeholders to identify and implement strategic solutions that support the business’ current and future needs. Ms. Perkins is a thought partner to her internal clients by identifying, facilitating, leading, and supporting creative solutions to critical business challenges. She coaches senior leaders, managers and associates on successful performance management, development, engagement strategies and behaviors.
Prior to joining UMB, Ms. Perkins held a variety of human resources positions within the healthcare technology industry. Those roles included talent acquisition, leadership development, recognition programs, community relations, corporate events, and associate onboarding.
Ms. Perkins earned a bachelor’s degree in Mass Communications from Truman State University in Kirksville, MO. In her free time, she services on the WIN for KC advisory board which is committed to empowering the lives of girls and women through advocating and promoting the lifetime value of sports and fitness.
Carla Green
Senior Vice President, Line Finance Manager II
Mark Cordes
Vice President, Marketing Manager
Mark brings a history of marketing, design, and advertising experience, along with a passion for leveraging balanced right and left-brain thinking to deliver innovative communication. He is responsible for the marketing and creative strategy, development, and execution of UMB Healthcare Services brand communications, including all accountholder communications and materials, employer and broker resources and communications, webinars, conferences, and sales team materials.
Mark earned his Bachelor of Science degree in Marketing from Trinity University in San Antonio TX, and BFA Graphic Design degree from Art Center College of Design in Pasadena CA. He has served on various boards and committees through the years including the Nelson Atkins Museum of Art, Kansas City Symphony, and the Kemper Museum of Art. Mark is also a graduate of the Centurions Leadership program and the Kauffman Foundation FastTrack Entrepreneurial Leadership program.