In a large bowl, whisk together the sweetened condensed milk, vanilla pudding mix and water until well combined - about 1 minute. Add the melted biscoff cookie butter and mix until combined.

In another large bowl, whip the heavy cream until stiff peaks form.

Gently fold the whipped cream into the pudding mixture until no streaks of pudding remain.

In a 9x13 dish or trifle bowl, layer ⅓ of the vanilla pudding mixture on the bottom. Top with 16 biscoff cookies and banana slices. Repeat again.

Finish the top with the remaining vanilla pudding. Cover and chill for 3-4 hours, or up to 8 hours if needed.

When ready to serve, top with crushed biscoff cookie crumbs, more banana slices, and drizzled melted cookie butter, then serve.