Seems overly complicated.

Why not something like:

my %memberRecord;
... Populate %memberRecord ...;
my @columns = keys %memberRecord;
my @values = values %memberRecord;
my $sqlStatement = do {
    local $" = ", ";
    my @qms = ('?') x @columns;
   "INSERT INTO $tableName (@columns) VALUES (@qms)";
};
...
my $sth = $dbh->prepare($sqlStatement);
$sth->execute(@values);
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