01 - Combine refried beans and taco seasoning in a medium bowl until well incorporated. Spread mixture evenly across the bottom of a 9x13-inch glass serving dish.
02 - Blend sour cream and softened cream cheese in a separate bowl until completely smooth. Gently spread this cream mixture over the bean layer using a spatula.
03 - Carefully spread guacamole over the cream cheese layer, ensuring not to disturb the layers beneath. Top with an even layer of drained salsa.
04 - Sprinkle shredded cheddar and Monterey Jack cheeses evenly over the salsa layer, covering the entire surface.
05 - Layer shredded lettuce over the cheese, then distribute diced tomatoes, sliced black olives, and green onions evenly across the top.
06 - Cover the dish with plastic wrap or a lid and refrigerate for at least 1 hour to allow flavors to meld together.
07 - Serve chilled with tortilla chips for dipping.