Any email sent by a legitimate list holder will refer to you by name. For instance, a common HTML code phrase would be something like *|FNAME|*. You wouldn't see that, but you would see "Dear Kate", because it automatically retrieves the recipient's first name from the email list and inserts in the greeting — and without the actual list (which the phisher wouldn't have) it can't be done.
Well, no. They don't detect an account. They would detect a security problem of some kind with the account. Even the department descriptor is bogus. It would be a Fraud Detection Unit. Or a Fraud Protection Unit. Or a Security Unit, period.
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