In a bowl of an electric mixer fitted with a whisk attachment, add the pudding mix and heavy cream. Mix on high speed until thickened and combined. Stop the mixer and scrape to incorporate ingredients. Be sure to scrape the bottom of the mixer. Otherwise you’ll end up with a powdery clumpy situation. Add the cream cheese, banana liqueur, and vanilla extract. Mix on high speed until completely combined and no lumps of cream cheese remain. Turn off the mixer and add the confectioners’ sugar. Turn the mixer to low speed and mix for a few seconds until the sugar is combined with the pudding mixture. Increase the speed to high and mix for 45 seconds to a 1 minute to combine all ingredients. Pipe or spoon half the pudding mixture in a medium sized bowl. Layer with ripe bananas, then pipe or spoon the rest of the Banana pudding mixture. Cover with plastic wrap and place in the refrigerator until ready to use. To serve: Garnish with crushed Nilla wafers and ripe bananas, if desired. Serve with Nilla Wafers.