VP Finance at a 400 person SaaS company, $90M ARR, offices in NYC, London, Singapore. Current stack is Concur for T&E, Coupa for procurement, Bill.com for AP. Expensive, the integrations don't actually integrate, our auditors hate it.

Looking to consolidate. Real requirements:

- multi-entity GL sync (NetSuite)

- SOX-ready audit trails

- multi-currency cards, half our spend is non-USD

- delegated approvals across three time zones

- something my Singapore controller can use without a translator

Eval shortlist: Ramp Plus, Brex Enterprise, Airwallex Spend, Navan for T&E. Ramp's Plus tier is impressive but still US-first. Airwallex has the multi-entity multi-currency story natively which is the part Ramp is bolting on.

Anyone running spend management at this size with a non-Concur stack. Especially interested in whoever moved off Concur recently. Was it as bad as people say.