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

Rhea-AI Filing Summary

Erich J. Litch, GM Payment Software at ACI Worldwide (ACIW), reported share dispositions executed on 09/04/2025. The Form 4 shows two sets of shares were surrendered to cover tax withholding at a price of $49.64 per share: 277 shares (one-twelfth of RSUs granted 03/04/2024) and 1,358 shares (one-twelfth of RSUs granted 03/04/2025), totaling 1,635 shares surrendered. Following the transactions the filing lists beneficial ownership figures of 18,884 and 18,444 shares for the two reported lines respectively.

The report is signed by an attorney-in-fact on behalf of Mr. Litch on 09/08/2025. The filing indicates the dispositions were routine tax-withholding events tied to the vesting of restricted stock units rather than open-market sales.

Positive

• Insider activity is clearly disclosed with transaction dates and prices provided
• Dispositions were for tax withholding on RSU vesting, indicating routine compensation processing rather than opportunistic selling
• Form is executed via attorney-in-fact, showing formal authorization and compliance with filing requirements

Negative

• Total of 1,635 shares were surrendered, reducing the reporting person's beneficial holdings by that amount

Insights

Corporate Governance Expert

TL;DR: Routine RSU tax-withholding share surrender by an officer; no indication of material governance concerns.

The Form 4 documents standard insider activity where vested restricted stock units triggered tax-withholding, satisfied by surrendering 1,635 shares at $49.64 each. The filing identifies the reporting person as an officer and director and is executed by an attorney-in-fact, which is a common administrative practice. There are no indications in the filing of unusual timing, large open-market dispositions, or changes in control. Impact to governance is neutral.

Executive Compensation Analyst

TL;DR: Compensation-related share surrender consistent with RSU vesting schedule; it reduces outstanding personal holdings modestly.

The explanation clarifies these were share surrenders to satisfy tax liabilities for scheduled vesting: 277 shares from a 2024 RSU grant and 1,358 shares from a 2025 RSU grant. The per-share price reported is $49.64. This is a routine mechanism under many equity compensation plans and does not reflect a discretionary sale for liquidity or diversification. The change in beneficial ownership is limited to the withheld shares and appears administrative rather than strategic.

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^*

Litch Erich J

(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, Payment Software

3. Date of Earliest Transaction (Month/Day/Year)
09/04/2025

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	09/04/2025		D		89(1)	D	$49.64	18,884	D
Common Stock	09/04/2025		D		440(2)	D	$49.64	18,444	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 277 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 1,358 shares, representing one twelfth of the restricted stock units granted on March 4, 2025

	By: Dennis Byrnes, Attorney in Fact For: Erich J Litch	09/08/2025
	** 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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FAQ

What did Erich J. Litch (ACIW) report on Form 4?

The filing reports two dispositions on 09/04/2025 where 277 and 1,358 shares were surrendered at $49.64 per share to satisfy tax liabilities from RSU vesting.

Why were shares disposed of according to the Form 4 for ACIW?

The document states the shares were surrendered to pay tax liabilities upon vesting of restricted stock units granted 03/04/2024 and 03/04/2025.

How many total shares were surrendered and what was the price?

A total of 1,635 shares were surrendered (277 + 1,358) at a reported price of $49.64 per share.

When was the Form 4 signed and by whom?

The Form 4 was signed by Dennis Byrnes, Attorney in Fact for Erich J. Litch on 09/08/2025.

Does the Form 4 indicate open-market sales or other transaction types?

No; the Form 4 identifies the transactions as dispositions for tax-withholding related to RSU vesting, not open-market sales.