01 - In a medium bowl or jar, combine rolled oats, coconut milk, Greek yogurt, chia seeds, maple syrup, shredded coconut, vanilla extract, and almond extract if using. Stir thoroughly to combine.
02 - Cover and refrigerate for at least 8 hours, or overnight, to allow the oats to soften and the flavors to meld.
03 - Before serving, stir well. If needed, add more coconut milk to achieve your desired consistency.
04 - Divide between two bowls or jars. Top each serving with toasted coconut flakes, toasted pecans or almonds, and banana slices if desired. Enjoy chilled.