We have an approval matrix for in budget and a separate one for out of budget expenses.
Sample:
- budget owner up to 10k (budget owners are typically managers)
- if above is out of budget, need finance approval too
- exec mgr if over 10k (director level)
- if above is out of budget, need finance approval too
We looked at requisition dispatch and authorized users on the dispatch action, there isn’t any enforcement or automated assignment out of the box.
We also looked at buyers and approval levels, but that would mean setting up part classes for each budget owner, exec mgr and then figure out how to tell in/out of budget to get the additional finance approval.
In both of the above, it would all go through purchasing and require a receipt to do a 3-way match. If people have a way to do the above, how are things like utility bills and legal fees done? We wouldn’t want to have to do receipts on these but still need them to flow through the approval matrix.
Suggestions are welcome, but we are trying to keep to out of the box as much as possible. 
Jenn