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

Rhea-AI Filing Summary

Ronald Craig Shultz, an officer of ACI Worldwide (ACIW) serving as GM, ACI Speedpay, reported dispositions of common stock on 08/11/2025. The form shows two surrender transactions: 270 shares and 541 shares surrendered at a price of $44.39 per share to cover tax liabilities arising from RSU vesting. The explanations state these surrenders paid taxes on the vesting of 749 and 1,498 restricted stock units originally granted on May 11, 2023. The reported beneficial ownership following the transactions is shown as 44,398 and 43,857 shares respectively. No derivative transactions or other open-market sales are reported in this filing.

Positive

• Transactions were tax-withholding surrenders tied to RSU vesting rather than open-market sales
• Reporting person retains substantial reported holdings of 44,398 and 43,857 shares after the transactions

Negative

• None.

Insights

Financial Analyst

TL;DR: Officer surrendered shares to satisfy tax withholding on RSU vestings; transactions are routine and not disclosed as open-market sales.

The filing documents two share surrenders by Ronald Craig Shultz on 08/11/2025, totaling 811 surrendered shares executed at $44.39 per share to meet tax obligations tied to RSU vesting. The form lists beneficial ownership after the events as 44,398 and 43,857 shares. Because the activity is described as surrender to cover taxes rather than market dispositions, it is typically treated as administrative and is unlikely, on its own, to materially affect the company’s capital structure or valuation.

Corporate Governance Expert

TL;DR: Transactions are tax-withholding related vesting events; governance roles unchanged and no new derivative holdings reported.

The report identifies Mr. Shultz as an officer (GM, ACI Speedpay) and records that the surrendered shares correspond to one-twelfth vesting increments of RSUs granted on May 11, 2023. The explanations clearly state the purpose as tax withholding for RSU vesting (749 shares and 1,498 shares vesting, with 270 and 541 shares surrendered). There is no indication of additional sales, option exercises, or changes in officer status in this filing, suggesting no governance-level changes disclosed here.

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

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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).

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^*

Shultz Ronald Craig

(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)
	GM, ACI Speedpay

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		270(1)	D	$44.39	44,398	D
Common Stock	08/11/2025		D		541(2)	D	$44.39	43,857	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 749 shares, representing one twelfth of the restricted stock units granted on May 11, 2023.

2. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 1,498 shares, representing one twelfth of the restricted stock units granted on May 11, 2023.

	Ronald Craig Shultz	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 transactions did ACIW officer Ronald Craig Shultz report on Form 4?

Two share surrenders on 08/11/2025 of 270 and 541 common shares at $44.39 per share to cover tax liabilities from RSU vesting.

Why were shares surrendered in the ACIW Form 4 filed by Ronald Craig Shultz?

The shares were surrendered to pay tax liabilities arising from the vesting of restricted stock units granted on May 11, 2023.

How many RSU vesting events are referenced and what amounts are noted?

The form explains vesting related to 749 and 1,498 RSUs, with 270 and 541 shares surrendered respectively to satisfy taxes.

Did the Form 4 report any option exercises or derivative transactions for ACIW?

No derivative securities or option exercises are reported in Table II of this Form 4.

What is the reported beneficial ownership after the transactions?

The filing shows beneficial ownership following the reported transactions as 44,398 and 43,857 shares.