A Virtual MSR is the primary digital point of contact for credit union members, providing warm, professional support through phone, chat, email, and other channels while identifying financial needs, offering personalized product guidance, resolving issues, maintaining regulatory and security knowledge, and contributing to team collaboration, community outreach, and continuous improvement to help members achieve financial success. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information.