Carlos D. Martinez

Carlos D. Martinez serves as the Senior Vice President and Director of Enterprise Risk Management at UMB Bank since February 2025, following the acquisition of HTLF Bank, where Carlos D. held a similar title from April 2021 to February 2025. Prior experience includes leadership roles in enterprise risk management at Penf and PENSCO Trust Company, and a significant tenure at Opus Bank, where responsibilities included Chief Risk Officer and Senior Vice President overseeing comprehensive risk management frameworks and compliance programs. Carlos D. Martinez's earlier career spans credit risk analytics and financial reporting roles at organizations such as Kinecta Federal Credit Union, Wells Fargo, and H&R Block. Carlos D. Martinez holds an MBA in Finance from the University of California, Irvine, and a BA in Social Psychology with an Economics minor from the University of California, Riverside.