Place chocolate bar, marshmallows, almonds and milk in the top of a double boiler; melt over simmering water. Remove from heat and cool completely.
Sprinkle crumbs in an ungreased 13-in. x 9-in. dish. Fold whipped cream into chocolate mixture; spread over crumbs. Sprinkle additional crumbs over top if desired. Refrigerate several hours or overnight.