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Karen was born and raised in Mountain Home Arkansas. She attended Arkansas Tech University and began her banking career in 1972 working as a supervisor and branch manager of savings and loans. After moving to Missouri, Karen joined Century Bank of the Ozarks in 1992 as a loan secretary and became Compliance Officer and Auditor in 1996. She is a graduate of the MBA School of Compliance and Advanced School of Compliance. Promoted to Vice President of Operations in 1998, Karen supervises customer service, teller and branch operations for Century Bank. She and her husband operate a beef cattle farm in Ozark County. Her favorite pastimes are music and golf.
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