Refactor multiple ifs in create specification

How can I refactor the following method in order to reduce complexity?

protected Specification<Test> createSpecification(TestCriteria criteria) {
        Specification<Test> specification = Specification.where(null);
        if (criteria != null) {
            if (criteria.getId() != null) {
                specification = specification.and(buildRangeSpecification(criteria.getId(), test_.id));
            }
            if (criteria.getCustomerName() != null) {
                specification = specification.and(buildStringSpecification(criteria.getCustomerName(), Test_.customerName));
            }
            if (criteria.getAddress() != null) {
                specification = specification.and(buildStringSpecification(criteria.getAddress(), Test_.address));
            }
(...)

return specification;
}

The issue is that sonar is complaining about: Refactor this method to reduce its Cognitive Complexity from 17 to the 15 allowed.

Thanks!

Or

Use Builder Pattern... Create a builder that allows adding specifications:

public class TestSpecificationBuilder {

  private Specification<Test> spec;
  
  public TestSpecificationBuilder() {
    spec = Specification.where(null);  
  }
  
  public TestSpecificationBuilder withId(Long id) {
    spec = spec.and(buildIdSpecification(id));
    return this;
  }  
  
  public TestSpecificationBuilder withName(String name) {
    spec = spec.and(buildNameSpecification(name));
    return this; 
  }
  
  public Specification<Test> build() {
    return spec;
  }
}

So the main method just builds and returns the specification.