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

Rhea-AI Filing Summary

Kuruvilla Abraham, Chief Technology Officer of ACI Worldwide, Inc. (ACIW), reported stock dispositions on 09/04/2025. The Form 4 shows he surrendered 1,283 shares and 839 shares at a price of $49.64 each to cover tax liabilities arising from the vesting of restricted stock units. The first surrender covered tax on 3,261 vested RSUs from a grant dated March 4, 2024; the second covered tax on 2,134 vested RSUs from a grant dated March 4, 2025. The report lists beneficial ownership amounts of 101,946 and 101,107 shares following the respective transactions. The form is dated and signed 09/08/2025.

Insights

Securities Analyst

TL;DR: Routine tax-withholding share surrenders by an executive; no evidence of unusual trading or change in control.

This Form 4 documents standard share withholding to satisfy tax obligations on vested restricted stock units. The transactions are marked as dispositions and reflect share surrender rather than open-market sales, indicating internal tax settlement. The reported share counts after each surrender provide transparency on the executive's retained holdings. There is no disclosure of additional derivative transactions or material deviations from common vesting-related practice.

Corporate Governance Expert

TL;DR: Governance signal is routine; forfeiture for taxes is common and does not indicate a governance concern.

The filings show the CTO used company shares to cover tax liabilities tied to RSU vesting from grants in 2024 and 2025. This is a common compensation administrative action and does not reflect voluntary sales for liquidity or indicate a change in executive role or control. The clear explanation in the remarks aligns with good disclosure practices.

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).

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)
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		1,283(1)	D	$49.64	101,946	D
Common Stock	09/04/2025		D		839(2)	D	$49.64	101,107	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	09/08/2025
	** Signature of Reporting Person	Date
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