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Her story, our journey: BILL’s senior women leaders reflect on International Women’s Day

Her story, our journey: BILL’s senior women leaders reflect on International Women’s Day

The BILL Team
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166 years ago this month, female textile workers took to the streets to protest unfair working conditions and unequal rights for women. Courageous, determined, and motivated, their protest helped kick-start a movement that saw the establishment a few years later of International Women’s Day on March 8th, and much later in 1987, the creation of Women’s History Month.

Their story was also the start of a shared journey to a more fair and equal society–a journey that continues today across the globe.

Celebrating International Women’s Day 2023

It’s March, so we’re celebrating International Women’s Day and Women’s History Month at BILL. We’re recognizing the accomplishments of women across history and cultures–in our communities and in businesses from all sectors. And we’re reflecting on how we foster diversity in our workplace and champion traditionally underserved businesses, particularly women-owned businesses.

As part of our celebration, we spoke to BILL’s most senior women leaders–Irana Wasti (Chief Product Officer), Sarah Acton (Chief Marketing Officer), and Sofya Pogreb (Chief Operating Officer). We wanted to share their stories about women who have inspired them, the women innovators who are changing our communities, and the path to embracing equity as a leader in business today.

Here are their stories–in their words.

Irana Wasti, Chief Product Officer 

My story starts with the women who have inspired me the most: my mom, my grandma and my great-grandma.  Growing up among three generations of hard working women, I was inspired by how well they navigated their family lives and demanding careers (my grandmother was a Chemistry Professor at a University and my mom was working on her PhD in Applied Math.)

My family left our home in Uzbekistan and moved to the U.S. when I was 14. At the time, my young parents, grandparents and great-grandparents arrived with a few possessions, and two boisterous kids.

While building a life in a new country and culture, my mom retrained as a computer scientist quickly took on a role of a developer and progressed her career while raising two daughters. My grandmother became quite fluent in English which has helped her and my grandparents settle in the U.S.

To this day, my mom is the smartest person I know. She’s the person I call for personal and professional advice, and the person my two kids call when they need help with homework or school.

What inspires me most about the stories and journeys of my mom, grandma and great-grandma and journey is their ability to engage with change, deal with uncertainty, adapt, and find new ways to grow and thrive. It’s a lesson I’ve applied each and every day in my own career and personal life. As someone who has led product development teams for over 20 years, I know that ability and willingness to analyze the environment, listen, and adapt are key to delivering products that delight customers.

The other aspect of my mom’s story that has inspired me is her role as a mentor to me and others during her career. Finding great mentors can be the key to success, particularly when you’re just starting. Being a great mentor is also one of the most valuable contributions you can make to an organization.

As a leader, finding opportunities to mentor other women has always been a focus of mine. This mentoring journey has enabled me to help empower and learn from other women in my industry. It’s a commitment I make to support others. It’s also been a hugely valuable asset to me personally and professionally, having developed a broad network of other women leaders in the process.

This International Women’s Day and Women’s History Month, I’m celebrating women like my mom, my grandma and my great-grandma. Women who are working hard to support and balance family, friends, and careers. Women who invest their time in helping to mentor and empower other women. Women who are working for a more equal and just society.

And – of course – I’m celebrating the millions of women who are working hard to run, contribute to, and support small businesses! As BILL’s product leader, I love being in a role where I can champion SMBs – including organizations like Family Giving Tree, Bare Bones and Generation Teach who have strong women leaders.

Whatever path you are on, taking this chance and this moment to celebrate women is special.

Sarah Acton, Chief Marketing Officer 

My story starts with why I joined BILL a little over a year ago.

Growing up, my dad owned a small professional services business. I saw first-hand just how important small businesses were to local communities. I also saw how tough it can be to run a small business.

Jump forward a few years, and I had started my own small business selling children’s clothing. As a small business owner, one of my most valuable tools was my network of other small businesses, including other women-owned businesses. I worked hard to build connections with local businesses–finding suppliers, vendors, and service providers. This network was essential to my ability to serve my customers and to the success of my business.

I joined BILL because of my life-long passion for SMBs. It’s a company that champions small businesses, so it’s a mission I believe deeply in. One of the things that I love most about the work we do at BILL is the opportunity to champion and empower traditionally underserved businesses, including women-owned businesses.

So many awesome women business leaders are out there innovating, disrupting, and changing our communities for the better. In the U.S. alone, there are 12.3 million women-owned businesses.

Women like Claire Coder, who founded Aunt Flow, a business that provides free period products in schools and offices. This is so essential to supporting equality in our communities.

Women like Lauren Groper, who founded Repurpose, which is fighting plastic pollution by making compostable and sustainable tableware from plants.

Or women like Rosi Linda Sanchez, who founded Mixto, a social media agency committed to helping build minority-owned brands.

These women are inspiring generations of future women business leaders. They’re also empowering other small businesses–including women-owned businesses–through the networks they create. This is why I’m thrilled that BILL is supporting women like Claire, Lauren, and Rosi to run their businesses and connect them with others so they can build those networks.

Supporting women-owned businesses is one of the best things we can do for our communities and economies. This is why I'm celebrating the important role of women-owned businesses and women business leaders this International Women’s Day and Women’s History Month. Great things are possible when we work together to empower women and build our networks.

Sofya Pogreb, Chief Operating Officer 

My story starts as a young girl in Russia, where International Women’s Day was one of the biggest events on our calendar. In fact, it’s one of only three holidays (along with New Year's and my birthday) that I’ve celebrated consistently my whole life.

For me, this month is about celebrating the women in our lives–our mothers, partners, daughters, friends, and colleagues–who lead incredibly rich and multifaceted lives. When I look back at people like my grandmother and mother, it’s striking how much the responsibilities and expectations of women have shifted tremendously. As a society, we’re moving toward greater flexibility and choice in how we live our lives–both at work and home.

In our workplaces, for example, we’ve seen big shifts toward hybrid work. COVID was a catalyst for this, but the move towards providing employees more flexibility predates the pandemic. This has been a game-changer for many people (including women with caring responsibilities), empowering them to balance their work and family lives more effectively.

As Chief Operating Officer at BILL, it’s my job to lead from the front to foster an inclusive environment where every employee can bring their authentic self to work. I’m a big believer in results-driven management and investing in the development of all our people equally. I think you need to build teams on the foundations of transparency and trust, where you give people of all levels exposure to leadership. And I believe in giving every employee–regardless of background, gender, ethnicity, or sexual orientation–the opportunity to learn and engage on a level playing field.

We also see these significant societal shifts at home. I feel incredibly fortunate to be living at a time and in a place where I have the freedom to build a life that is authentic to me and my family. I’m a single mom of three kids and am proud to balance a busy career with busy kids. There are millions of other women like me and families like ours.

The opportunities we enjoy now, to build our lives in a way that works for us–that aligns with our lifestyles and preferences–are not opportunities afforded to my grandmother or even my mother. This Women’s History Month, I’m thankful for how far we have come as a society and excited for what’s ahead.

Interested in working with Irana, Sofya, and Sarah at BILL? We’re hiring! Check out our job openings here.

Author
The BILL Team
At BILL, we supercharge the businesses that drive our economy with innovative financial tools that help them make big moves. Our vision-driven team makes a real impact on growing businesses. We operate with purpose and curiosity—because that’s what drives innovation.
Author
The BILL Team
At BILL, we supercharge the businesses that drive our economy with innovative financial tools that help them make big moves. Our vision-driven team makes a real impact on growing businesses. We operate with purpose and curiosity—because that’s what drives innovation.
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Software Comparison

BILL Spend & Expense
Best for AI expense automation
4.5 on G2
  • Smart corporate cards with real-time tracking, flexible limits, and instant visibility into every transaction across your team [1]
  • Unlimited free virtual cards with unique numbers for each vendor or subscription—freeze, delete, or set custom limits instantly to prevent overcharges and reduce fraud risk [5]
  • AI-powered auto-categorization and receipt matching that connects card transactions and expenses into a single reconciliation workflow [1]
  • Customizable budgets with spend controls based on merchant, amount, receipt requirements, and configurable approval workflows [3]
  • Auto-freeze on cards with incomplete transactions, ensuring receipts and documentation are captured before additional spend is approved [1]
  • Up to 7x points on restaurants, 5x on hotels, 2x on recurring software, and 1.5x on all other purchases (rates shown are for weekly or daily billing cycle; rates vary by billing frequency) [2]
  • Two-way sync with QuickBooks, NetSuite, Sage Intacct, Xero, and Microsoft Dynamics; additional integrations with Acumatica, Slack, and HRIS platforms [1]
  • Pro: $0/user/month with all features included—no paid tier to unlock [4]
  • Pro: Merchant controls and auto-freeze cards at no extra cost [1]
  • Pro: Credit lines that don't fluctuate daily based on bank balance [4]
  • Pro: All ERP integrations (NetSuite, Sage Intacct, Xero) included free [1]
  • Con: 12-month holding period before rewards can be redeemed [2]
  • Con: Category reward multipliers cap at $5,000/month per category [2]
  • Con: Less established in global, enterprise-scale expense programs with multi-country regulatory requirements

BILL Spend & Expense pairs corporate cards with AI-powered expense management and budget controls in a single platform at no cost—teams aren't paying per user or upgrading to unlock features that competitors gate behind paid tiers.

Merchant-level spend controls and auto-freeze on incomplete transactions give admins granular oversight without manual policing, and two-way ERP integrations are included free where Ramp and Brex charge for NetSuite and Sage Intacct access. The main trade-off is an initial 12-month rewards holding period before accumulated points can be redeemed. [1][2][3][4]

Commonly compared to: Ramp and Brex (for card-first expense management), and SAP Concur (for enterprise expense programs).

Pricing
$0/user/month with no annual fee
Integrations
Two-way sync with QuickBooks, NetSuite, Sage Intacct, Xero, and Microsoft
Ideal company size
SMB to mid-market
SAP Concur
Best for large enterprises
4 on G2
  • AI-powered receipt capture via ExpenseIt on the SAP Concur mobile app, with smart matching that combines credit card charges and e-receipts into expense reports automatically [7]
  • Configurable approval workflows with built-in audit rules that flag policy exceptions, plus optional Intelligent Audit and Verify add-ons for automated compliance checks [6][7]
  • Modular product suite: Concur Expense, Concur Travel, and Concur Invoice are separate products that can be purchased individually or together, so organizations can start with expense management and add capabilities over time [6]
  • Bank card feed integrations that import corporate card transactions directly into expense reports for automatic reconciliation [6]
  • Joule, SAP's AI assistant, for expense report review, spend analysis, and cost estimation [6]
  • Budget tracking and monitoring tools that give finance teams visibility into spend against departmental or project-level budgets [6]
  • Support for global operations with multi-currency expense reporting and country-specific tax and regulatory compliance tools [6]
  • Pro: 300+ pre-built integrations including native SAP ERP sync [7][8]
  • Pro: Global coverage with multi-currency and regulatory compliance tools [6]
  • Pro: Modular—add travel or invoice management without switching platforms [6]
  • Pro: AI-powered receipt capture and smart matching via ExpenseIt [7]
  • Con: Quote-based pricing; no published rates on the website [6]
  • Con: No corporate card offering; relies on bank card feed integrations [6]
  • Con: Implementation can be complex for smaller organizations [6]
  • Con: Live support requires purchasing the User Support Desk service [6]

SAP Concur is the incumbent in expense management software, with the largest partner ecosystem and broadest global footprint on this list. Its modular approach gives large organizations flexibility to start with expense management and layer on travel or invoice capabilities independently.

The trade-off is complexity—pricing is opaque, there's no corporate card offering, and smaller teams may find the platform more than they need. Organizations already in the SAP ecosystem will get the most value from native S/4HANA integration. [6][7][8]

Commonly compared to: BILL (for SMB expense management), and Coupa (for enterprise spend management).

  • Best for: Mid-market and enterprise organizations that need a globally scalable expense management platform with configurable compliance tools and a large partner ecosystem. [6][7][8]
  • Highlights: AI-powered receipt capture via ExpenseIt, configurable approval workflows with built-in audit rules, optional Intelligent Audit and Verify add-ons for automated compliance checks, 300+ app integrations, and native SAP ERP sync. [6][7][8]
  • Ideal if you need: An expense platform that integrates natively with SAP S/4HANA or other enterprise ERPs, with the flexibility to add modules like Concur Travel or Concur Invoice over time. [6][7]
Pricing
Quote-based
Integrations
QuickBooks, Xero, Sage,TSheets, Gusto, & most business credit cards.
Ideal Company Size
Mid-market to enterprise
Ramp
Best for a broad spend platform
4.8 on G2
  • Corporate cards with customizable spend controls by merchant, category, employee, or department, plus unlimited virtual and physical cards [9][10]
  • AI-powered receipt matching, transaction coding, and memo suggestions that auto-populate as soon as a card is swiped [9]
  • Policy agent that reviews every expense against company policy, auto-approves compliant transactions, and escalates only exceptions with full audit trail [9]
  • Expense submission via SMS, Slack, or Microsoft Teams in addition to web and mobile app [9]
  • Reimbursements for out-of-pocket expenses paid to employees' bank accounts in 1–2 business days [9]
  • Real-time spend reporting with custom dashboards, natural-language queries, and proactive overspend alerts [9]
  • Broader spend platform that includes AP automation, procurement, vendor management, and treasury alongside expense management [9]
  • Pro: Free plan includes corporate cards, expenses, and bill pay [11]
  • Pro: AI policy agent reviews 100% of expenses automatically [9]
  • Pro: Submit expenses via SMS, Slack, or Teams—no app required [9]
  • Pro: Broader spend platform covers AP, procurement, and vendor management [9]
  • Con: Budget tracking requires Ramp Plus at $15/user/month [11]
  • Con: NetSuite, Sage Intacct, and Dynamics integrations require a paid plan [11]
  • Con: HRIS syncs and auto-lock cards require a paid plan [11]
  • Con: Credit limits fluctuate daily based on connected bank balance [12]

Ramp's strength is breadth—it's not just an expense tool but a full spend management platform that includes AP automation, procurement, and vendor management alongside expenses. The AI policy agent is a differentiator, reviewing every transaction against company rules rather than relying on manual manager approvals.

The trade-off is that several features mid-market teams rely on—budget tracking, ERP integrations beyond QuickBooks and Xero, and HRIS syncs—require upgrading to Ramp Plus at $15/user/month plus a platform fee. [9][11]

Commonly compared to: Brex and BILL (for corporate cards and expense management), and SAP Concur (for enterprise expense programs).

  • Best for: Fast-growing companies that want corporate cards, expense management, and accounts payable on a single platform with AI-powered automation. [9][10]
  • Highlights: Corporate cards with built-in spend controls, AI-powered receipt matching and expense coding, a policy agent that reviews 100% of expenses and flags only exceptions, and submission via SMS, Slack, or Microsoft Teams. [9][10]
  • Ideal if you need: A card-first platform where expense management is one part of a larger system that also covers AP, procurement, and vendor management. [9]
Pricing
$0/user/month
Integrations
QuickBooks, NetSuite, Xero, Sage Intacct, Slack, & 100+ accounting tools.
Ideal Company Size
Startups to mid-market
Brex
Best for global teams
4.8 on G2
  • Corporate cards with customizable spend limits by role, department, or category, plus auto-approve for in-policy expenses and auto-decline for out-of-policy spend [13][14]
  • AI-powered expense reviews that auto-approve compliant transactions and surface only exceptions for human review, with clear visibility into why a transaction is flagged [13]
  • Auto-generated receipts and memos with OCR that matches receipts in any language or currency, plus automatic GL coding by department, project, and entity [13]
  • Live Budgets that let department heads set top-level budgets, provision spend to individuals or teams, and track usage in real time with anomaly detection [13]
  • Global reimbursements in 70+ countries in employees' local currency, with subsidiaries able to issue reimbursements from local bank accounts [13]
  • Expense submission and approval via Slack and WhatsApp, with in-app commenting on individual transactions [13]
  • Broader financial platform that includes bill pay, business banking with up to 3.68% yield, and treasury alongside expense management [14]
  • Pro: Free plan includes corporate cards, expenses, bill pay, and travel [15]
  • Pro: AI expense reviews with 99% average policy compliance rate [14]
  • Pro: Global reimbursements in 70+ countries in local currency [13]
  • Pro: Live Budgets with real-time tracking and anomaly detection [13]
  • Con: Live Budgets require Premium at $12/user/month [15]
  • Con: HRIS syncs and customizable ERP integrations require a paid plan [15]
  • Con: Credit limits fluctuate daily based on connected bank balance [16]
  • Con: Multiple expense policies and dynamic review chains require Premium [15]

Brex positions itself as a full financial stack for startups—cards, expenses, banking, and treasury in one platform. The AI expense reviews and 99% average compliance rate (per Brex's internal metrics) are notable, and the global reimbursement coverage across 70+ countries is broader than most competitors on this list.

Like Ramp, Brex gates budget management and HRIS integrations behind a paid tier, and credit limits fluctuate daily based on your bank balance. Teams that need predictable spending power or are past the startup stage may find the pricing structure adds up. [13][14][15]

Commonly compared to: Ramp and BILL (for corporate cards and expense management), and SAP Concur (for enterprise expense programs).

  • Best for: Startups and high-growth companies that want a global financial platform covering corporate cards, expense management, bill pay, and business banking. [13][14]
  • Highlights: AI-powered expense reviews that auto-approve compliant transactions, corporate cards with built-in policy controls, Live Budgets for real-time tracking, global reimbursements in 70+ countries, and OCR receipt matching in any language or currency. [13][14]
  • Ideal if you need: A financial platform built for startups that includes expense management as part of a broader stack with banking, treasury, and AP. [13][14]
Pricing
$0/user/month
Integrations
NetSuite, QuickBooks, Workday,SAP Concur, Slack, & global banking portals.
Ideal Company Size
Startups to mid-market
Expensify
Best for simple reimbursements
4.5 on G2
  • SmartScan receipt capture by photo, email forwarding (receipts@expensify.com), or text message; auto-extracts transaction details and categorizes expenses [17]
  • Bring-your-own-card support: link existing corporate cards from 10,000+ banks globally for automatic reconciliation without switching card providers [17]
  • Expensify Visa Commercial Card with cash back on US purchases; cash back first offsets the Expensify subscription cost, then flows to the company's bank account [17]
  • Concierge AI for automated expense categorization, policy violation flagging, rule enforcement, and error reduction [17]
  • Global reimbursements for employees and independent contractors in their local currency [17]
  • Chat-based collaboration directly on individual expenses to resolve questions in real time rather than through email follow-ups [17]
  • 45+ integrations including QuickBooks, NetSuite, Sage Intacct, Xero, Workday, and Gusto [17]
  • Pro: Bring-your-own-card from 10,000+ banks globally [17]
  • Pro: Expensify Card cash back can offset the subscription cost [17]
  • Pro: SmartScan receipt capture by photo, email, or text message [17]
  • Pro: 45+ integrations including major ERPs and payroll systems [17]
  • Con: No free plan; starts at $5/user/month [18]
  • Con: Pricing structure varies by card spend volume [18]
  • Con: Budget management, advanced approvals, and expense policies require Collect or Control plans [17]
  • Con: No department-level budget management on par with card-first platforms

Expensify's strength is accessibility—it has the lowest barrier to entry for teams that just need to start tracking expenses and submitting receipts. The bring-your-own-card support from 10,000+ banks means companies don't have to switch card providers, and the SmartScan receipt capture (by photo, email, or text) is one of the more flexible input methods on this list.

The trade-off is that several features mid-market teams expect—budget management, advanced approvals, and expense policies—require upgrading to the Collect or Control plans, and spend controls are primarily limited to the Expensify Card rather than extending across all connected cards. [17][18]

Commonly compared to: Zoho Expense (for budget-friendly expense management), and BILL and Ramp (for integrated cards and expenses).

  • Best for: Small and midsize businesses that want a mobile-first expense management tool with flexible card options, including the ability to link existing corporate cards from 10,000+ banks. [17]
  • Highlights: SmartScan receipt capture by photo, email, or text message; bring-your-own-card support from 10,000+ banks globally; Expensify Visa Commercial Card with cash back that offsets subscription costs; and Concierge AI for automated categorization and policy enforcement. [17]
  • Ideal if you need: A lower-cost entry point for expense management where employees can start submitting receipts immediately without switching corporate card providers. [17]
Pricing
From $5/user/month
Integrations
QuickBooks, Xero, Sage, TSheets, Gusto, & most business credit cards.
Ideal Company Size
Small to mid-market
Zoho Expense
Best for budget-conscious teams
4.5 on G2
  • Autoscan receipt capture with OCR that auto-categorizes and itemizes each expense, plus the ability to split or tag expenses across departments, projects, or cost centers [19][20]
  • Automated per diem calculations with pre-defined rules based on country, location, and trip details for regional compliance [20]
  • Corporate card management with real-time feeds that automatically match transactions to uploaded receipts for faster reconciliation [20]
  • Mileage tracking with four input methods across Android, iPhone, and Apple Watch [20]
  • Configurable approval workflows, expense policies, and audit rules with detailed audit trails for compliance [19][20]
  • Custom modules, workflow automation, webhooks, and configurable UI elements for businesses that need tailored expense processes [19]
  • Active-user pricing model: only employees who actually create expenses are charged, so admins and approvers who don't submit reports are free [21]
  • Pro: Free plan available for up to 3 users with core expense tracking [21]
  • Pro: Active-user pricing—admins and approvers aren't charged [21]
  • Pro: Automated per diem calculations by country and location [20]
  • Pro: Deep customization with custom modules and workflow automation [19]
  • Con: Corporate card feeds and multi-level approvals require Standard plan [21]
  • Con: Deepest value requires the broader Zoho ecosystem (Books, People, CRM) [19]
  • Con: No corporate card offering; relies on connecting existing cards [20]
  • Con: Travel booking, per diem, and live budgets require Premium plan [21]

Zoho Expense offers unusually deep customization at a low price point—custom modules, workflow automation, webhooks, and configurable UI elements that most competitors don't expose. The active-user pricing model is genuinely cost-effective for companies where only a portion of employees submit expenses regularly.

The trade-off is that there's no corporate card offering—you'll need to connect your existing cards—and the platform delivers its deepest value when used alongside other Zoho products like Zoho Books and Zoho People. [19][20][21]

Commonly compared to: Expensify (for budget-friendly expense management), and SAP Concur (for global compliance and customization).

  • Best for: Small and midsize businesses that want an affordable, highly customizable expense management platform with strong global compliance features and active-user pricing. [19][20][21]
  • Highlights: Autoscan receipt capture with OCR, automated per diem calculations by country and location, corporate card reconciliation with real-time feeds, mileage tracking across multiple input methods, and active-user pricing starting at $4/user/month. [19][20][21]
  • Ideal if you need: A low-cost expense management tool with deep customization options and native integration with the broader Zoho ecosystem (Zoho Books, Zoho People, Zoho CRM). [19][20]
Pricing
Free (3 users); from $4/user/month
Integrations
Zoho Books, QuickBooks, Xero, Sage, Microsoft Dynamics, & Google Workspace.
Ideal Company Size
Small to mid-market