Most con artists are just rolling the dice, laying traps they hope unwary consumers will stumble into.

This one did his homework in targeting a specific victim — and made off with more than $10,000 from a Chase bank account.

The episode serves as a wake-up call for all of us to be very cautious when interacting with businesses, even when everything appears to be on the up and up.

It also once again raises questions about how adequately Chase protects its customers.

Denise Denton, 41, recently received a legitimate-looking fraud alert from Chase notifying her about a $505 purchase at Walmart. The text message asked her to confirm that the purchase was hers.

“I texted back to say I didn’t know anything about it,” the Texas resident told me. “Then, almost immediately, I got a call from a Chase customer service representative.”

The call appeared to originate from Chase. The rep said he needed to secure Denton’s checking account. He texted her a verification code to make sure she was the account holder.

The rep also shared with Denton the last four digits of her Social Security number, which she confirmed.

“There was nothing suspicious,” Denton said. “How could anyone but Chase have so much information about me — my name, my phone number, my Social Security number?”

Wait, it’s about to get much, much worse.

Denton said that as she was speaking with the service rep, she opened the Chase banking app on her phone and changed her password.

“The guy immediately…

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