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2024 Business Owner Report

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As Relationship Manager, Tracy is one of Bank of America’s leaders in the Jacksonville Market. She connects businesses, families and individuals to the banking and investment teams that can deliver the global financial resources and expertise of Bank of America. She also leads the work to deploy Bank of America’s resources across the market and the region to address social and economic concerns and build strong communities. 

Tracy has over twenty years in the financial sector covering the Florida and Georgia market. Throughout her career she has demonstrated expertise while working with large municipalities, publicly held companies, and hospital systems with revenues exceeding $2 billion.  Tracy has held numerous leadership positions, served on client committees, and has an active role in the bank’s Disability, Asian, Environmental and Black Professional networks.   

She is a Jacksonville native and active member of her community, with a heightened focus on serving the needs of children. In this effort, she partners with several non-profit agencies such as Guardian Ad Litem, Duval County Public Schools and GrowFL. 
Tracy holds a bachelor’s degree from the University of North Florida. She has three children, John, Myah, and Jada. The Kemps are members at a Life for a Life Ministries in Jacksonville, Florida.


    • Government Contractors
    • Healthcare & Physician Practices
    • Manufacturing
    • Not-for-profit
    • Professional Services
    • Restaurant/Food Industry
    • Retail

    • Guardian Ad Litem
    • GrowFL
    • Community Development Financial Institution (CDFI)

Meet the Team

With access to the global resources of Bank of America, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Elaine Guyot

Vice President

Treasury Sales Officer

Alecia Gray


Sales Support Associate

David Mumma

Senior Vice President

Lending Officer

Elaine Smith

Vice President

Treasury Sales Analyst

Bionca Shealy


Commercial Credit Specialist

Bank of America Business Banking

As you work to take your business to the next level in an environment where business and technology sophistication are critical to having a competitive edge, you need a local banking partner who has your long-term interests at heart.

Bank of America is that local advocate. We work closely with you to understand your business goals. We then draw on our Bank wide resources, technology and experience to generate ideas and solutions that will propel your business further.

With Bank of America Business Banking by your side, you can be assured your business has the power to grow and thrive.

You can benefit from:

Local Relationship Managers who are your advocates and bring the Bank’s resources to you as a seamlessly integrated, dedicated team

Comprehensive commercial banking platform with full range of products and technology, backed by Bank of America’s strength and stability

Access to bank-wide services beyond business banking, to manage both your business and personal wealth

Let's have a conversation.

There is no substitute for a one-on-one relationship with a Bank of America relationship manager who is committed to your needs. Request an appointment today.