In a bowl, mix together VERY COLD water (or milk), vanilla pudding mixes, cookies butter, and sweetened condensed milk until smooth and the mixture begins to thicken, about 4-5 minutes.

Finally, add in vanilla extract, cinnamon, and salt; mix for another minute.

In a trifle bowl, layer vanilla wafer cookies, Biscoff cookies, sliced bananas, and pudding mixture followed by whipped cream; repeat layering until all ingredients are used.

Garnish top with whipped cream, crushed vanilla wafers, crushed Biscoff cookies, and a drizzle of caramel sauce. Refrigerate for at least 4 hours before serving.