A career built across payments, commerce, and innovation
At Costa Advisory Group, we have decades of experience as leaders in industry and consulting, helping organizations navigate an ever-changing and increasingly complex payments landscape with clarity and confidence.
We deliver strategic guidance and practical solutions that reduce costs, improve customer experiences, and drive long-term value.
Beth Costa
FOUNDER & CEO
Beth Costa is a senior payments executive and trusted advisor with deep leadership experience across payments, commerce, and financial services. She brings a rare 360° perspective shaped by roles in strategy, product, operations, consulting, and merchant-led innovation.
Throughout her career, Beth has worked with C-level executives, boards, merchants, retailers, fintechs, healthcare organizations, and financial institutions to solve complex payments challenges and turn strategy into measurable business impact.
She founded Costa Advisory Group to provide independent, practical guidance for organizations navigating the evolving payments ecosystem—combining analytical rigor, executive judgment, and real-world operating experience.
EXPERIENCE HIGHLIGHTS
Consulting and payments strategy
Oliver Wyman
Senior Partner and Payments Practice Leader
Head of the Americas Payments Practice
Co-Head of CustomerFirst
Head of the Retail Financial Services Franchise.
Advised senior executives across Payments, Financial Services, Retail, and Commerce.
Led strategy, content development, client delivery, and C-suite advisory on growth, operating models, and optimization.
Analytical foundation
Carnegie Mellon University
MS in Statistics, BS in Applied Mathematics
Built a strong quantitative foundation in statistics and applied mathematics.
Applies disciplined analysis to payment strategy, market evaluation, product decisions, and business case development.
Selected to teach an Agentic Commerce session for the Tepper School of Business Executive Education Program
A member of the Carnegie Mellon University Tepper School of Business Speaker Bank.
Merchant-side leadership
Merchant Customer Exchange (MCX)
Chief Product Officer, Chief Strategy Officer, and Interim Chief Marketing Officer
Key leader in one of the industry's most ambitious merchant-led mobile commerce initiatives.
MCX was jointly owned by 40+ major retailers, including Walmart, Target, CVS, Southwest Airlines, Best Buy, Shell, Wendy's, and Lowe’s.
Responsible for wallet strategy, branding, product roadmap, user experience, and board-level presentations.