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LInda Chapman retires as Florence Finance Director after 21 years, looks forward to 'nexts' – NKyTribune

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LInda Chapman retires as Florence Finance Director after 21 years, looks forward to 'nexts' – NKyTribune

By Patricia A. Scheyer
NKyTribune reporter

Linda Chapman is about to close a chapter on her life as Finance Director in the city of Florence, a position she has held for the last 21 years.

She finished her last week, and though she is a little sad about leaving, a part of her is looking forward to the freedom that comes with not having to report to work at a certain time of the morning.

“This is the first time in years that I haven’t had to plan anything,” she said, looking over her desk full of papers, and computers with three screens. “From January to August things are really busy with taxes and the budget, then we have the property taxes in October, so I always took my vacation in November or December. I felt like this was the best time to retire, too.”

Chapman is from the west side of Cincinnati and she said the roots are strong there — “you never leave the west side.”

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Linda Chapman is finished with the city’s paperwork — she has retired after 21 years a Finance Director.

She attended McCauley high school and the University of Cincinnati and then became an accountant.

“I didn’t know what I wanted to do until my senior year in high school,” she said. “I always thought I would go into a dental or nursing field and I took classes that would help with those fields, but there were things I didn’t like about those fields. So I decided to go with numbers.”

She eventually found her way to Rankin and Rankin, where she worked for ten years, doing audits for different cities in the Northern Kentucky area.

It was while she was doing the June 30, 2002 audit for the city of Florence that she discovered a problem on the books.

“Things just didn’t add up,” she explained. “The numbers weren’t right.”

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Ron Epling had been the Finance Director for ten years at Florence, and Chapman knew him, so she worked the numbers over and over before she turned the evidence over to her boss at Rankin and Rankin, and the police brought charges against Epling for embezzling $4.9 million from the city.

Linda Chapman was hired as Finance Director in March of 2003.

“The embezzlement meant I started with a big mess,” she said. “The city was able to recover everything. It was bad, but it was up to me to come up with programs to install so that it never happened again. I put several safeguards in, and had to change all the systems over. It took about two years. So even though it was a big mess, it was a challenge for me, and I really like challenges.”

She said that the embezzlement was definitely the worst thing she had to deal with, but the result was the greatest satisfaction of her job, because she met the challenge and she fixed it. Governmental accounting is a special niche, she commented. Chapman said the people who work with her are very great to work with, the five ladies who work up front and her right hand man, Jason Cobb.

Through the years, she said she has had ups and downs, but her attitude is equanimical— most things ‘are what they are’ and she handles them with ease. Her philosophy is ‘one day at a time’, and she said she would come into work each day with the expectation of something good happening, something different, to make her smile.

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Without the job to come into, what does she want to do as the next step in her life?

“I have no clue,” Chapman said with a smile.

Her first idea is that she has yard work to do, as well as some gardening chores to take care of.

Gardening is one of her passions. Chapman has a large garden, the length of the side of her house, and garden boxes in the back of her house.

“I grow green beans, tomatoes, zucchini, peppers, cucumbers, and a lot more,” she said. “Gardening is my stress relief.”

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She is not a person who travels a lot. She likes to take her annual vacation to Pigeon Forge, an area she loves, but she has no sites she wants to see, like Mount Rushmore, or Hawaii.

“I don’t want to spend that much time in the air,” she explained about visiting Hawaii. “And I don’t want to go on a cruise. I can just picture me on a boat that becomes Titanic number two.”

Chapman has plans to go to Opryland for their Christmas extravaganza. Another passion she enjoys is Christmas.

“I am a big Christmas person,” she said, pointing to pictures of her decorated yard. “My yard isn’t that big, but I squeeze it all in.”

The lights and inflatables cover every available inch of yard, and she said it is such a glorious site people stop in front of the house to take it all in. It does take awhile to put it all up and take it all down, but she doesn’t mind.

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“Inside, I put up my tree at Halloween, and during the time while I hand out candy, I also decorate the tree,” she said, laughing. “I love my Christmas decorations!”

She also decorates her office, and her co-workers like to decorate, so that tradition will continue.

Chapman loves to do jigsaw puzzles, and she said her minimum puzzle is 1000 pieces. She showed pictures of her special setup for puzzles so she can concentrate on them and not lose any of the tiny pieces.

“I do a lot of puzzles, and one of the worst ones I have done was candy canes,” she pointed to a picture that showed a massive amount of striped candy canes. “Another one that was challenging was one with pictures of rolls of toilet paper. I finished it, though, even though it took about a month, and I had to get new lighting. I haven’t met a puzzle I haven’t finished yet.”

Chapman feels she has enough to keep her busy through the end of the year, but she understands that when January gets here, she might reach a point where she looks around and there is nothing to do.

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“I will still take it one day at a time, but I will be looking for different challenges, different things to fulfill me,” she said. “I have no doubt I will find things. I would like to get a better exercise regimen, to add to my walking.”

Chapman said her mom and dad live in the same area, and she has two brothers and a sister who live relatively close, so she knows she will be getting together with family a lot.

She always thought she might like to have a dog, but she hasn’t had one since she was a child, largely because she didn’t feel that she had the time that a dog requires, but she is now thinking about pet ownership.

“I figure I will take a breather, and then keep on keeping on, stay busy and keep my mind fresh,” she ventured. “I think it’s kind of exciting to see what’s going to develop out there. If something comes up, I can take advantage of being spontaneous. I am looking forward to it.”

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Finance

How Natura &Co Is Transforming Finance with Generative AI on SAP S/4HANA

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How Natura &Co Is Transforming Finance with Generative AI on SAP S/4HANA

For a company navigating one of the most consequential transformations in its history, financial clarity is not optional—it is essential. Natura &Co, the Brazilian personal care and cosmetics group behind iconic brands such as Natura and Avon, has long been committed to combining purpose-driven business with commercial performance. After a period of strategic portfolio reshaping, including the divestiture of its Aesop and The Body Shop holdings, the company is now sharpening its focus on profitability and operational excellence across Latin America and global markets.

At the center of that effort sits a deceptively complex challenge: understanding, in real time, which revenue and cost factors are driving or eroding gross margin across a highly diversified business. For years, answering that question meant manual reporting, delayed insights, and finance teams spending valuable time on data gathering rather than analysis.

That’s now changing, thanks to a co-innovation initiative developed together with SAP and Numen, a global SAP partner specializing in digital transformation and enterprise software implementation.

From manual reporting to proactive decision intelligence

An enterprise AI platform built for your business

The project’s goal was to replace a labor-intensive gross margin analysis process with a generative AI application embedded directly into Natura &Co’s financial workflows. Built on SAP Business AI Platform, SAP’s unified foundation integrating business technology, data, and AI capabilities, the application connects directly to data in SAP S/4HANA to provide finance teams with automated insights and narrative recommendations in real time, without the need for manual data pulls or offline reporting.

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The application enables users to explore revenue, cost, and margin drivers interactively, identifying at a glance which elements are protecting or eroding margin performance across markets and product lines. Crucially, human oversight remains central to the design: the AI application generates insights, while finance professionals retain full control over interpretation and decisions.

“The implementation of gross margin analysis using AI in SAP S/4HANA marked an inflection point in the analytical capability of our finance area,” said Rogério Dias Garcia, tech manager, ERP Latam, Natura &Co. “We overcame delays and raised the standard of insights by integrating margin analysis from SAP S/4HANA with a large language model connected via the SAP AI Core layer. This architecture allowed us to provide, in an agile, secure, and completely anonymous manner, a stratified and precise view of gross margin offenders and protectors—discriminating exactly which revenue or cost elements were driving market performance.”

A collaborative architecture for scalable AI adoption

Natura &Co’s application derived from a prototype SAP partner Numen created in early 2024 at SAP’s global Hack2Build on business AI, leveraging the generative AI capabilities of SAP Business AI Platform. The solution was designed and developed through close collaboration between Natura &Co, Numen, and SAP. From the outset, the approach was to align AI adoption with concrete business priorities, ensuring the application would be scalable and production-ready rather than a standalone prototype.

Numen brought deep SAP implementation expertise to the project, combining knowledge of SAP S/4HANA architecture with hands-on experience in building solutions on SAP Business AI Platform. The technology stack—SAP S/4HANA, SAP AI Core, SAP Fiori, and SAP Business Technology Platform—provided the secure, integrated foundation needed to connect financial data with generative AI capabilities in an enterprise context.

“SAP enabled the transformation by providing the technological foundation and expert support,” said Carlos Aravechia, head of Data Design & Intelligence at Numen.

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The success of the project has validated a broader conviction at Natura &Co: that generative AI, embedded directly in ERP workflows, can fundamentally reposition finance from a transactional function to a strategic business partner.

A blueprint for other businesses

The Natura &Co project demonstrates a pattern that other organizations can replicate, particularly those running SAP S/4HANA. The combination of structured ERP data with the contextual reasoning capabilities of large language models creates a foundation for decision intelligence that goes well beyond traditional business intelligence tools.

The project was built within a six-month co-innovation sprint and went live in August 2025. It is currently in use across Natura &Co’s Equador operations.

Looking ahead, Natura &Co is already planning the next phase: integrating Joule Agents to further automate the extraction of standard analytical content and deepen the AI-driven optimization of financial processes.

“The success of this initiative validates the transformative potential of embedded AI within our ERP,” Dias Garcia noted. “We are now ready to move forward—deepening these insights and integrating the capability of Joule Agents to maximize the extraction of standard content and further optimize our business decisions.”

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For SAP customers evaluating how to move from AI experimentation to AI in production, the Natura &Co project offers a concrete, replicable model: start with a high-value, well-defined business process, embed AI directly into existing workflows, and build in human oversight from the start.


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Low-income Chinese girl aces gaokao, inspires live-streamers offering help

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Low-income Chinese girl aces gaokao, inspires live-streamers offering help

A girl from a disadvantaged rural family in central China topped this year’s gaokao, attracting numerous live-streamers eager to finance her education, which she declined.

The home of 18-year-old secondary school graduate Han Yaping in a Henan province village was recently bustling with live-streamers.

This attention came after Han achieved an impressive score of 699 out of 750 in the gaokao, China’s national college entrance exam.

She has received offers from China’s two leading universities, Tsinghua University and Peking University.

Han’s accomplishment is particularly remarkable given her family’s impoverished circumstances.

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Her mother suffers from ankylosing spondylitis, an inflammatory arthritis affecting the spine, preventing her from working. Her father, who earns a living through farming and odd jobs, serves as the family’s sole provider. Han also has a younger sister.

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UK financial regulator publishes landmark AI review

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UK financial regulator publishes landmark AI review

The UK’s Financial Conduct Authority (FCA) published a landmark review on Monday that proposes recommendations to regulate the impact of artificial intelligence (AI) on the financial decisions made by consumers.

The review, titled the Mills Review, anticipates that both consumers and firms will start delegating “more financial decision-making to AI systems,” including for agreements, initiating transactions, and executing decisions “within agreed parameters.” One of the key findings of the review outlined that while AI can help bridge advice gaps and “support growth,” there remain risks “associated with fraud, cyber security, and consumer harm.” Conducting the review, Sheldon Mills highlighted that “AI can also amplify risks: bias, discrimination, exclusion, opaque decision-making (particularly when multiple AI models interact), misleading or hallucinatory advice and erosion of consumer trust.”

The review stated that presently, one in five adults in the UK are “already open to AI making decisions for them,” particularly when decisions feel “complex or high stakes.” It found that roughly 26 percent of the population “trust general-purpose tools such as ChatGPT, Claude or Gemini for financial advice” with little awareness that such platforms provide no “formal routes to recourse” or protections.

Overall, the Mills Review identified four areas that it anticipates will be impacted by AI in the financial sector: “the transformation of firms,” “new consumer journeys,” “a reshaped competition landscape,” and “amplified financial crime and cyber risk.” The FCA projected the shift in how consumers and firms consult AI to take place by 2030.

The Mills Review put forth seven “priority” recommendations to be considered by the FCA Board. It recommended that any transitions to autonomous AI models be monitored and that regulatory frameworks and perimeters be adapted and secured. The review called for the strengthening of “system-wide coordination and oversight,” the scaling up of the FCA’s AI Lab to enable it to support AI models and innovation for agentic finance, and an “AI-enabled agentic supervisory model” to be built and adopted.   Finally, it recommended that a trusted “public-interest AI-enabled financial capability service” be developed.

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The FCA announced, in the press release, that it will launch an AI “good and poor practice publication” in late 2026.

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