[Form 4] ACI Worldwide, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Scott W. Behrens, a former Chief Financial Officer and reporting person at ACI Worldwide (ACIW), reported a tax-related surrender of common stock tied to restricted stock unit vesting. The Form 4 shows a disposition on 08/11/2025 of 2,084 shares at $44.39 per share, which the filer explains were surrendered to satisfy the tax liability from the vesting of 4,661 restricted stock units granted on May 11, 2023. After the surrender the reporting person beneficially owned 532,354 shares. Table II lists no derivative transactions.

No other compensatory or open-market sales are reported on this form; the filing records a withholding-surrender tied to compensation vesting rather than an independent market sale.

Positive

• Maintains significant beneficial ownership: Reporting person retains 532,354 shares after the transaction.
• Transaction tied to RSU withholding: The shares were surrendered to satisfy tax liability from RSU vesting, not an open-market sale.

Negative

• Reduction in holdings: 2,084 shares were disposed at $44.39, reducing the reporting person's share count.

Insights

Financial Analyst

Insider surrendered RSU shares to cover taxes; transaction appears routine and has limited market impact.

The Form 4 documents a disposition of 2,084 ACIW shares at $44.39 to satisfy withholding obligations on vested RSUs (the filing cites vesting of 4,661 shares). Post-transaction beneficial ownership is reported as 532,354 shares. No derivative securities are reported. From a financial viewpoint this is a compensation-driven withholding event rather than an active liquidity-driven sale and is unlikely to materially change ownership stakes or affect near-term valuation.

Corporate Governance Expert

Routine tax-withholding on RSU vesting reflects standard compensation mechanics; no governance red flags shown.

The reporting person is identified as a former Chief Financial Officer and the filing states the shares were surrendered specifically to pay tax obligations on RSU vesting from a grant dated May 11, 2023. The documentation shows the transaction date and price and confirms continued substantial beneficial ownership (532,354 shares). The absence of option or derivative activity on Table II and the explanatory note suggest this is an administrative surrender rather than a discretionary disposition affecting control or signaling governance concerns.

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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X

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^*

Behrens Scott W

(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)
	Former Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
08/11/2025

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	08/11/2025		D		2,084(1)	D	$44.39	532,354	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 4,661 shares, representing one twelfth of the restricted stock units granted on May 11, 2023.

	Scott W Behrens	08/13/2025
	** 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 did Scott W. Behrens report on Form 4 for ACIW?

He reported surrendering 2,084 ACIW shares at $44.39 to pay taxes on RSU vesting, with the transaction dated 08/11/2025, leaving 532,354 shares beneficially owned.

Why were the shares surrendered according to the Form 4?

The explanatory note states the shares were surrendered to pay the tax liability due upon vesting of 4,661 restricted stock units from the May 11, 2023 grant.

Does the filing report any option or derivative transactions for ACIW?

No. Table II lists no derivative securities acquired, disposed of, or beneficially owned in this filing.

What is the reporting person's role or relationship to ACIW?

The form identifies the reporting person as an Officer and specifically notes they are the Former Chief Financial Officer.

How many RSU shares vested that triggered the withholding?

The form cites the vesting of 4,661 restricted stock units, and the surrendered shares were used to cover the related tax obligation.