1. In a large bowl, whisk together pudding mix and cold milk for about 2 minutes. Let it set for another 2 minutes.

2. In a separate bowl, beat the softened cream cheese until smooth. Add sweetened condensed milk and vanilla extract and mix until creamy.

3. Fold the cream cheese mixture into the prepared pudding. Gently fold in 2 cups whipped topping until smooth.

4. Slice strawberries and bananas. Toss bananas with a little lemon juice if desired to prevent browning.

5. In a glass trifle dish or baking dish, layer vanilla wafers, pudding mixture, bananas, and strawberries.

6. Repeat the layers until ingredients are used, finishing with pudding on top.

7. Spread the remaining whipped topping over the final layer.

8. Garnish with crushed wafers, banana slices, and a strawberry.

9. Cover and refrigerate for at least 4 hours or overnight before serving.