Pros
At ACI, you're likely working with some of the best talent in the payments industry, and are working on arguably the "standard" product suite for both wholesale and retail banking. Compensation is quite reasonable, and benefits are typical for the industry.
Cons
The company has a significant interest in outsourcing development, support, and infrastructure positions as quickly as possible -- and quality is not a factor in those decisions. This means a poor outlook for U.S.-based staff. Major reorganizations of the company's management structure occur on a regular basis. Senior management seems extremely indecisive. The CEO has claimed that he wants to build a billion-dollar company, but the predominant mode is of acquisition and regularly-scheduled layoffs -- a tactic that will certainly not build the successful, cohesive company that Heasiey is looking for. The workhorse products which form most of ACI's sales therefore languish... a fact that customers will certainly notice at some point. A "strategic partnership" with IBM seems entirely one-sided, in IBM's favor. It has yet to benefit ACI's customers, stockholders, or employees.