Mix the beans, green chiles and 1 tablespoon taco seasoning in a bowl until well combined. Spread refried beans in an even layer in the bottom of your serving dish.
Spread the guacamole in an even layer on top of the bean layer.
Top the guacamole with the salsa.
In a medium bowl, stir together sour cream, remaining taco seasoning lime zest and lime juice. Spread in an even layer on top of the salsa.
Top the sour cream layer with the lettuce. Sprinkle Monterey jack and cheddar in an even layer over the lettuce.
Finish by topping with tomatoes, black olives and cilantro, if using.