[Form 4] ACI WORLDWIDE, INC. Insider Trading Activity

Rhea-AI Filing Summary

Adalio T. Sanchez, a director of ACI Worldwide, Inc. (ACIW), reported share transfers on September 12, 2025. The filing shows 23,236 ACIW shares moved from a grantor retained annuity trust dated September 12, 2023 ("GRAT #4") to a trust for which Mr. Sanchez's spouse is trustee and his child is beneficiary. Separately, 12,763 shares were distributed from GRAT #4 to Mr. Sanchez.

The filing notes that the 23,236 shares moved to the Trust continue to be reported as indirectly held, that the 12,763 shares distributed to Mr. Sanchez had previously been shown as indirectly held, and that GRAT #4 has terminated. The Form 4 is signed by Mr. Sanchez on 09/16/2025.

Insights

Corporate Governance Expert

TL;DR: Routine estate-planning transfers; no change to company-wide control or new insider sales.

The Form 4 documents intra-family transfers from a terminated GRAT to a trust and a distribution to the reporting director. These movements reflect estate-planning activity rather than market dispositions. The filing confirms continued indirect beneficial ownership for a portion of the shares and termination of the GRAT vehicle, which is an internal ownership-structure change with limited corporate governance implications.

Securities/Insider Transactions Analyst

TL;DR: Non-sale transfers recorded; no cash proceeds and no open-market transactions disclosed.

The reported transaction codes indicate gifts/transfers rather than purchases or sales at market price (price listed as $0). The form quantifies the transfers: 23,236 shares transferred to a Trust and 12,763 shares distributed to Mr. Sanchez. Because these are transfers among related parties and the shares remain under indirect beneficial ownership in part, the transactions are administrative and do not represent liquidity events impacting free float.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

SANCHEZ ADALIO T

(Last) (First) (Middle)

6060 COVENTRY DRIVE

(Street)

ELKHORN NE 68022

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
ACI WORLDWIDE, INC. [ ACIW ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
09/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/12/2025		G		23,236	D	$0(1)	0(1)(2)	I	by GRAT #4(3)
Common Stock	09/12/2025		G	V	23,236	A	$0(1)	31,417(1)	I	by Trust(1)
Common Stock								61,378(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. On September 12, 2025, 23,236 Issuer shares were transferred from grantor retained annuity trust ("GRAT") dated September 12, 2023 ("GRAT #4") to a trust regarding which Mr. Sanchez's spouse is trustee and Mr. Sanchez's child is the beneficiary (the "Trust"). These shares were previously shown and continue to be shown as indirectly held.

2. On September 12, 2025, 12,763 Issuer shares were distributed from GRAT #4 to Mr. Sanchez. These shares were previously shown as indirectly held.

3. Mr. Sanchez was the sole settlor, trustee and annuitant of GRAT #4. GRAT #4 has terminated.

Remarks:

	/s/ Adalio T Sanchez	09/16/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transactions did Adalio T. Sanchez report on Form 4 for ACIW?

The Form 4 reports transfers on 09/12/2025: 23,236 ACIW shares moved from GRAT #4 to a Trust and 12,763 shares were distributed from GRAT #4 to Mr. Sanchez.

Did the Form 4 report any open-market sales or purchases by Mr. Sanchez (ACIW)?

No. The reported transactions show price $0 and are transfers from a GRAT to related trusts or to Mr. Sanchez, not open-market sales or purchases.

What happened to the grantor retained annuity trust (GRAT #4)?

The filing states that GRAT #4 has terminated; Mr. Sanchez was the sole settlor, trustee and annuitant of that GRAT.

How did these transactions affect Mr. Sanchez's beneficial ownership reporting?

The filing indicates 23,236 shares transferred to the Trust continue to be shown as indirectly held, and 12,763 shares distributed to Mr. Sanchez were previously shown as indirectly held.

When was the Form 4 signed and filed?

The signature block shows Mr. Sanchez signed the Form 4 on 09/16/2025 and the transactions occurred on 09/12/2025.