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EXECUTIVE LEADERSHIP TEAM

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Philip G. Heasley
President and Chief Executive Officer
Philip Heasley
President and Chief Executive Officer
ACI Worldwide, Inc.

Mr. Heasley was named president and CEO of ACI Worldwide in March 2005. He has more than 30 years in payment systems and financial services. Before joining the company, he was chairman and CEO of Paypower, LLC. From 2000 to 2003, he was chairman and CEO of First USA Bank, the credit card subsidiary of Bank One. Prior to joining First USA Bank, Mr. Heasley spent 13 years in executive positions at U.S. Bancorp, including six years as vice chairman and the last two years as president and chief operating officer. Before joining U.S. Bancorp, Mr. Heasley spent 13 years at Citicorp, including three years as president and COO of Diners Club, Inc.

Mr. Heasley served as chairman of the board of Visa USA from 1996 until November 2003 and was a member of the board of Visa International during the same period. Mr. Heasley also serves, or has served, as a director of Fidelity National Financial, Inc., Ohio Casualty Corporation, Fair Isaac Corporation, Kintera Inc., The Schwan Food Company, Inc., and Public Radio International. Mr. Heasley holds an MBA from Bernard Baruch Graduate School of Business and a Bachelor of Arts from Marist College.

    Eve Aretakis
    Executive Vice President, Product Development
    Eve Aretakis
    Executive Vice President, Product Development
    With ACI Worldwide, Inc. since 2016

    Ms. Aretakis leads product development at ACI. In this role, she oversees software engineering, software product management and architecture for ACI’s Universal Payments product portfolio.

    Prior to joining ACI, Ms. Aretakis was executive vice president at Unify/Siemens Enterprise Communications. Her responsibilities included P&L management and accountability for software development, product management and manufacturing of the global product portfolio. She previously served as president of IP network solutions at Siemens, unit president of the company’s U.S. carrier division and as executive vice president at Unisphere Networks.

    Eve began her career as a software engineer for Texas Instruments and Raytheon. She transitioned to Product Management as she progressed into management roles of various business units. Ms. Aretakis holds her Bachelor’s Degree in Computer Science and Economics from Union College.

    Director Since
      Scott Behrens
      Senior Executive Vice President, Chief Financial Officer
      Scott Behrens
      Senior Executive Vice President, Chief Financial Officer
      With ACI Worldwide, Inc. since 2007

      Mr. Behrens serves as senior executive vice president, chief financial officer of ACI Worldwide. He is responsible for global finance activities at ACI Worldwide.  Mr. Behrens joined ACI Worldwide in June 2007. Prior to joining the company, Mr. Behrens served as senior vice president, corporate controller and chief accounting officer at SITEL Corporation from January 2005 to June 2007. He also served as vice president of Financial Reporting at SITEL Corporation from April 2003 to January 2005. From 1993 to 2003, Mr. Behrens served as a senior manager at Deloitte & Touche, LLP. Mr. Behrens holds a Bachelor of Science (Honors) from the University of Nebraska – Lincoln.

      Director Since
        Mike Braatz
        Chief Solutions Officer
        Mr. Braatz  image
        Chief Solutions Officer
        With ACI Worldwide, Inc. since 2012

        Mr. Braatz serves as ACI’s chief solutions officer. In this role, he is responsible for driving ACI’s product strategy, working closely with product management teams in the ACI On Premise and ACI On Demand P&Ls and with software product management teams in ACI’s Product Development organization. His core accountability is ACI’s solution strategy, including developing multi-year roadmaps, allocating the capital and resources necessary to achieve strategic objectives and infusing customer needs and innovation into ACI solutions.

        Since joining ACI in 2012, Mr. Braatz has held a number of senior leadership positions. Most recently, he served as senior vice president and P&L lead for ACI On Demand’s SaaS solutions. He previously served as senior vice president and product line manager for ACI On Demand and for ACI’s Payments Risk Management (PRM) solution.

        Prior to joining ACI, Mr. Braatz served as senior vice president of Marketing and Product Management at Memento Inc., a provider of enterprise fraud management solutions that was acquired by Fidelity National Information Services Inc. (FIS) in 2012. Earlier in his career, he was a consultant for Bain & Company, working with clients in the software and financial services industries.

        Mr. Braatz began his professional career as an officer in the U.S. Air Force, where he attained the rank of Captain and was decorated for outstanding leadership and performance. He earned a Bachelor of Arts in Mathematics from Northwestern University and an MBA from Northwestern's Kellogg School of Management

          Dennis Byrnes
          Executive Vice President, Chief Administrative Officer
          Dennis Byrnes
          Executive Vice President, Chief Administrative Officer
          With ACI Worldwide, Inc. since 2003

          Mr. Byrnes serves as executive vice president, chief administrative officer and general counsel.  He joined ACI in 2003 as its general counsel.  Prior to ACI, Mr. Byrnes was an attorney in Bank One's technology group from 2002 to 2003 and before that with Sterling Commerce, an electronic commerce software and services provider, from 1996.  Mr. Byrnes began his legal career with Baker & Hostetler, serving as an attorney in that firm from 1991 to 1996.  He holds a JD from The Ohio State University College of Law, an MBA from Xavier University and a Bachelor of Science in engineering from Case Western Reserve University.

          Director Since
            Daniel Frate
            Group President, ACI On Demand P&L
            Daniel Frate
            Group President, ACI On Demand P&L
            With ACI Worldwide, Inc. since 2012

            Daniel Frate is group president of the ACI On Demand (AOD) business. In this role, Mr. Frate oversees ACI’s SaaS and Platform business, which includes single and multi-tenant payment solutions for retailers, large financial institutions, community financial institutions, billers and payment service providers. The AOD portfolio also includes ACI’s ReD and Proactive Risk Manager fraud detection solutions. Mr. Frate is also responsible for ACI’s global data center operations.

            Prior to assuming his AOD leadership role, Mr. Frate led the Customer Management and Maintenance business. He joined ACI in 2012 and led the Strategic Products business until 2014.

            Mr. Frate came to ACI from PNC, where he served as executive vice president of retail products. He joined PNC through the acquisition of National City Bank, where he served as vice chairman of the retail bank. Earlier in his career, he was the president of BankOne Card Services and vice chairman of Payment Services at U.S. Bank.

            Mr. Frate is a member of the board of John Carroll University and of the Dean’s Advisory Council at the Krannert Graduate School of Management at Purdue University. He holds a M.S. in Finance from Purdue University’s Krannert School of Management and a Bachelor’s Degree in Economics from John Carroll University.

            Director Since
              Carolyn Homberger
              Group President, Global Sales
              Carolyn Homberger
              Group President, Global Sales
              With ACI Worldwide, Inc. since 2007

              Ms. Homberger is Group President, ACI Global Sales. In this role, she leads new business development with a team dedicated to connecting customers to ACI solutions designed to drive their profitability and success. These customers include large financial institutions, financial intermediaries, billers and merchants across the globe.

              Prior to assuming her global sales leadership role, Ms. Homberger led ACI On Demand—the company’s SaaS and Platform business. This included P&L management and accountability for sales, global implementation & boarding, service delivery management, customer experience and payment services (settlement and reconciliation). She also previously led the Customer Management and Maintenance business and has held numerous other operational leadership positions at ACI.

              Prior to joining ACI Worldwide in 2006, Ms. Homberger worked at GE Healthcare, where she held finance leadership roles and completed the Financial Management Program (FMP). Ms. Homberger co-chairs the U.S. Women in Payments Symposium advisory board and is very active in her local community. She is Six Sigma Green Belt Certified and holds her MBA from Fordham University and a Bachelor of Science from Miami University.

              Director Since
                Mandy Killam
                Group President, ACI On Premise P&L
                Mandy Killam
                Group President, ACI On Premise P&L
                With ACI Worldwide, Inc. since 2007

                Ms. Killam leads ACI’s On Premise P&L. In this role, she is accountable for ACI’s on-premise business, which includes delivery and support for sophisticated payments solutions that give financial institutions, processors and other customers the control, customization and flexibility they need to succeed in the marketplace.

                Prior to assuming her On Premise leadership role, Ms. Killam was executive vice president of strategic products at ACI. She was responsible for guiding the planning and execution of the division’s strategic and operating plans and for monitoring performance. She also previously held operational leadership roles in acquisition program management and product operations at ACI.

                Before joining ACI in 2007, Ms. Killam worked at First Data, where she held application development, release management and system recovery leadership roles. She holds her MBA and her Bachelor of Science in Business Administration from University of Nebraska at Omaha.

                Director Since
                  David Kuhl
                  Executive Vice President, Chief Human Resources Officer
                  David Kuhl
                  Executive Vice President, Chief Human Resources Officer
                  With ACI Worldwide, Inc. since 2017

                  Mr. Kuhl brings more than 25 years of global HR experience to his role as ACI's chief human resources officer (CHRO). A compassionate and innovative driver of people strategy, he is focused on positioning ACI's HR function to support our leadership of the real-time, any-to-any transformation in the global payments ecosystem.

                  Prior to joining ACI, Mr. Kuhl was chief people officer at ABRA Auto Body & Glass, a $1 billion revenue collision repair consolidator, and chief human resources officer at ABB Enterprise Software, a global leader in enterprise software for the energy and utility industries. He also served as senior vice president, human resources and chief learning officer at First Data Corporation, and he held several senior level HR positions while at UnitedHealth Group.

                  Earlier in his career, Mr. Kuhl was an employment attorney and consultant to Fortune 500 companies. He received his J.D. from the University of Minnesota Law School and his B.A. in economics from the University of Minnesota.

                  Director Since
                    Craig Maki
                    Executive Vice President, Treasurer and Corporate Development Officer
                    Craig Maki
                    Executive Vice President, Treasurer and Corporate Development Officer
                    With ACI Worldwide, Inc. since 2006

                    Mr. Maki serves as executive vice president, treasurer and corporate development officer of ACI Worldwide. He is responsible for the global corporate development and treasury activities at ACI. Mr. Maki joined ACI Worldwide in June 2006. Prior to joining the company, Mr. Maki served as senior vice president for Stephens, Inc., from 1999 through May 2006. From 1994 to 1999, Mr. Maki was a director in the corporate finance group at Arthur Andersen and from 1991 to 1994, he was a senior consultant at Andersen Consulting. Mr. Maki holds his MBA from the University of Denver and Bachelor of Science degree from the University of Wyoming.

                    Director Since
                      Craig Saks
                      Chief Operating Officer
                      Craig Saks
                      Chief Operating Officer
                      With ACI Worldwide, Inc. since 2012

                      A leader with more than twenty years of payments and banking expertise, Mr. Saks serves as ACI’s chief operating officer. In this role, he oversees the day-to-day operation of and coordination among the company’s four operating units: ACI On Demand P&L, Installed P&L, global sales and product development.

                      Prior to assuming the role of COO, Mr. Saks led ACI’s Strategic Products division. His responsibilities included P&L management and driving the performance of the advanced product portfolio, including Retail Banking, Wholesale Banking, Retailers, Electronic Bill Payment and Presentment, Payments Risk Management, Payment Hubs, Payments Tools and all associated channels, including mobile and online.

                      Before becoming part of the ACI team, Mr. Saks held senior-level positions at S1 Corporation (acquired by ACI), Fundamo (acquired by Visa) and PWC. Mr. Saks holds a Master of Commerce from the University of Cape Town and a Bachelor of Commerce in Computer Science from the University of Port Elizabeth (now Nelson Mandela Metropolitan University).

                      Director Since
                        Tony Scotto
                        Senior Executive Vice President, Chief Risk Officer
                        Tony Scotto
                        Senior Executive Vice President, Chief Risk Officer
                        With ACI Worldwide, Inc. since 2010

                        Mr. Scotto is senior executive vice president, chief risk officer. In this role, he drives ACI’s risk management vision and strategy. His current focus is on continuing to advance and evolve ACI’s risk management and information security functions to develop a risk management organization that is best-in-class in the payments industry.  

                        Prior to becoming chief risk officer, Mr. Scotto served as ACI’s chief of technology. He led the Corporate IT and Acquisition Integration units and served as a champion for innovation across the company.

                        Mr. Scotto also previously led product development operations at ACI, including architecture and design, coding and testing as well as the software process for strategic products. In addition, he launched ACI’s development centers of excellence to fuel the sharing of research and best practices across product teams and divisions. 

                        Mr. Scotto has more than 30 years of experience running global product development organizations. He has held executive leadership positions at large technology corporations, including Oracle and EMC, and he has also enjoyed the challenge of leading product development for two startup companies looking to rapidly introduce and scale their solutions to support a steep growth trajectory. Mr. Scotto holds a Bachelor of Science in Computer Science from the University of Connecticut and is a graduate of Northeastern University’s Executive Management Program.

                        Director Since
                          Jeremy Wilmot
                          Executive Vice President, Chief Marketing and Revenue Officer
                          Jeremy Wilmot
                          Executive Vice President, Chief Marketing and Revenue Officer
                          With ACI Worldwide, Inc. since 1999

                          Jeremy Wilmot is executive vice president, chief marketing and revenue officer. He is responsible for delivering value to ACI’s bank, financial intermediary, merchant and corporate customers across the globe. In this role Mr. Wilmot oversees corporate strategy, innovation, marketing communications, pricing, data management and financial planning & analysis.

                          Prior to his current role Mr. Wilmot held a number of senior leadership roles at ACI, including senior vice president and managing director for the Americas, president Asia-Pacific and regional director for Western Europe and Africa. Earlier in his career, Mr. Wilmot worked for ICL (now Fujitsu) in several capacities, including as international sales manager for financial services.

                          Mr. Wilmot holds a Bachelor of Arts degree in Business Studies from Oxford Brookes University in the U.K. and has completed the Advanced Management Program at INSEAD in France.

                          Director Since