Line a 9x4-inch loaf pan with parchment paper.
Add all of the coconut filling ingredients in a food processor and pulse until the coconut is finely chopped, and the mixture sticks when pressed together (be very careful not to blend the mixture too much!).
Transfer the coconut mixture to your prepared loaf pan and press it into an even layer. Transfer it to the freezer for about 20-30 minutes.
While the coconut filling is in the freezer, prepare the chocolate layer by melting the chocolate chips and coconut oil together in either the microwave or over a double boiler until completely smooth.
Remove the coconut bars from the freezer, and cut them into 12 squares. Dip each square into melted chocolate, then transfer them to a plate line with parchment paper. While the chocolate is still wet, place one or two almonds on top of each bar.
Once all bars are coated in chocolate and topped with almonds, transfer them back to the freezer to set for about 10 minutes, or until the chocolate has hardened.Either enjoy the almond joy bars right away, or store in an airtight container in the fridge for up to two weeks!