Directions:
In a medium bowl, mix the sweetened condensed milk and ice cold water until well combined. Add the vanilla pudding mix and beat well. Cover and refrigerate for at least 4 hours or overnight.
In a large bowl, whip the heavy cream until stiff peaks form.
Gently fold the whipped cream into the pudding mixture until well combined.
In a large trifle bowl or individual serving dishes, arrange a layer of Nilla wafers, a layer of sliced bananas, and a layer of the pudding mixture. Repeat layering until all ingredients are used, ending with a layer of pudding.
Cover tightly with plastic wrap and refrigerate for at least 4 hours before serving. Garnish with additional Nilla wafers or banana slices if desired.
