Ramp + Xero Expense & Bill Pay Automation for Advisory Firms I recently built a spend-control and bill-pay system for a financial advisory firm using Ramp and Xero. Goal: make sure every dollar the firm spends has clear limits, approvals, and a clean audit trail that syncs straight into the books. What the system does: ✅ Three funded cards (Compliance, Marketing, Operations), each with its own monthly limit and usage rules. ✅ Purchase orders routed automatically to the right approval rule for order processing. ✅ Approval steps that match how the firm works: small transactions auto-approved; larger ones require owner approval. No one can approve their own spend. ✅ Receipts, invoices, and memos required on purchases above a set amount. ✅ Full bill-pay flow: vendor invoice → matched to vendor → approved via bill-pay policy → paid by bank transfer or card. Paper trail intact from start to finish. ✅ Card and bank payments sync to Xero, so transactions land in the right chart-of-accounts category and keep the books matched to actual spending. This covers the firm’s own operating expenses (not client assets). It strengthens documentation and approval evidence as a control system, not a compliance guarantee. Built and tested in Ramp and Xero sandbox environments.If you run a small advisory, RIA, or mortgage brokerage and want cleaner spend controls and less manual bookkeeping, I’m open to similar builds.