Lora Downey

Lora Downey, CEBS

Vice President, Institutional Administration Team Leader


Lora is a senior advisor and relationship manager for institutional services for Commerce Trust. She is responsible for providing fiduciary and trust administrative capabilities to retirement plans, public and Taft-Hartley plans, foundations, and endowments.

Lora works closely with our clients and provides advisory oversight on administrative matters impacting their relationship. Serving as the single point of contact for our internal team, she coordinates all client service deliverables, including the various day-to-day aspects of the trust relationship, client reporting requirements, portfolio reviews, and client inquiries. She also oversees the fringe benefit operations area. Lora joined Commerce in 1987 and has more than 25 years of experience working with institutional trust relationships.             

She has a Bachelor of Science degree in business administration from Fontbonne College. Lora received the Certified Retirement Services Professional designation from the Institute of Certified Bankers and has earned the designation of Certified Employee Benefits Specialist from the International Foundation of Employee Benefit Plans and the Wharton School of the University of Pennsylvania.             

Lora is a member of the St. Louis Employee Benefit Association and the International Foundation of Employee Benefit Plans. She serves on the United Way Mental Health & Substance Abuse Panel and the United Way Community Investment Committee. Additionally, she is on the board of The Women’s Foundation of Saint Louis. Lora likes to spend her free time with family and friends. She enjoys friendly competitive board games.  She and her husband, Kevin, have five grown children and six grandchildren.