Ms. Tracy L. Keegan has been the Chief Financial Officer and Executive Vice President of Atlantic Coast Financial Corporation since May 2015 and its subsidiary Atlantic Coast Bank since March 30, 2015. Ms. Keegan has been Principal Accounting Officer of Atlantic Coast Financial Corporation since May 2015. She has over 27 years of banking experience, including 15 years with The Prudential Banks, a multi-bank franchise wholly owned by Prudential Financial, Inc. She worked for First Southern Bancorp, Inc., headquartered in Boca Raton, Florida, starting in April 2012 as an Executive Vice President and served as both Chief Financial Officer and Chief Operating Officer. She served as the Chief Financial Officer, Chief Operating Officer and Executive Vice President of First Southern Bank since May 2012. Ms. Keegan served as Executive Vice President and Chief Financial Officer of Bank of Florida Corporation from January 1, 2006 to October 22, 2010. She served as Chief Administrative Officer of Bank of Florida Corporation since January 2010. She served as Executive Vice President and Chief Financial Officer of Florida Community Bank, N.A., since June 2011. She served as senior vice president and investor relations director for EverBank Financial Corporation in Jacksonville. Ms. Keegan served as the Chief Financial Officer for The Bankers Bank. She was based in the Atlanta, Georgia office, where she directed the finance departments of Community Financial Services Inc. She spent 15 years in executive management roles at The Prudential Banks, a multi-bank organization and a subsidiary of Prudential Financial, Inc., in Atlanta, Georgia. She served as Senior Vice President, Comptroller and Treasurer for Prudential Financial's three financial services companies. She served as a Member of the Board of Directors for Prudential Financial's three financial services companies. She is a member of the American Institute of Certified Public Accountants and the Financial Manager Society. In July 2014, Ms. Keegan was appointed as a member of the Florida State Board of Accountancy by Governor Rick Scott. Ms. Keegan attended the University of Alabama at Huntsville, Huntsville, Alabama and earned a Bachelor of Science in Accounting from the University of Phoenix.