1 pkg. (4 oz.) BAKER'S Semi-Sweet Chocolate, melted
2/3 cup canned sweetened condensed milk
1 pkg. (8 oz.) PHILADELPHIA Cream Cheese, softened
1 pkg. (3.9 oz.) JELL-O Chocolate Flavor Instant Pudding
1-1/2 cups thawed COOL WHIP Whipped Topping
1 cup JET-PUFFED Miniature Marshmallows
9 graham crackers, broken in half (18 squares)