ACI Worldwide CTO reports tax-related share disposals

ACI Worldwide, Inc. Chief Technology Officer Abraham Kuruvilla reported disposing of company stock to cover taxes on vesting restricted stock units.

Accepted by SEC EDGAR 12/08/2025 - 06:43 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

ACI Worldwide, Inc. Chief Technology Officer Abraham Kuruvilla reported disposing of company stock to cover taxes on vesting restricted stock units. On 12/04/2025, he surrendered 1,283 shares of common stock at $46.35 per share, leaving 87,885 shares of common stock held directly after that transaction. He also surrendered 839 shares of common stock at $46.35 per share in a separate tax-related transaction.

The filing explains that 1,283 shares were used to pay taxes on the vesting of 3,261 shares from restricted stock units granted on March 4, 2024, and 839 shares were used to pay taxes on the vesting of 2,134 shares from restricted stock units granted on March 4, 2025. These are routine tax-withholding transactions rather than open-market sales.

Insider Trade Summary

Disposition: 2,122 shares

Disposition 2 txns

Insider Kuruvilla Abraham

Role Chief Technology Officer

Type	Security	Shares	Price	Value
Disposition	Common Stock	1,283	$46.35	$59K
Disposition	Common Stock	839	$46.35	$39K

Holdings After Transaction: Common Stock — 87,046 shares (Direct)

Holdings Before and After: Common Stock, 89,168 to 87,046 shares (Direct)

Footnotes (2)

1. F1. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 3,261 shares, representing one twelfth of the restricted stock units granted on March 4, 2024.
2. F2. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 2,134 shares, representing one twelfth of the restricted stock units granted on March 4, 2025.

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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

OMB APPROVAL

OMB Number:			3235-0287
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hours per response:			0.5

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

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Kuruvilla Abraham

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
12/04/2025

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	12/04/2025		D		1,283(1)	D	$46.35	87,885	D
Common Stock	12/04/2025		D		839(2)	D	$46.35	87,046	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. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 3,261 shares, representing one twelfth of the restricted stock units granted on March 4, 2024.

2. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 2,134 shares, representing one twelfth of the restricted stock units granted on March 4, 2025.

	Abraham Kuruvilla	12/08/2025
	** 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.
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