Preheat oven to 350 degrees. Spray 8 x 8 x 2-inch baking dish with nonstick cooking spray.
Spread refried beans in bottom of prepared dish. Evenly spoon beef spread by teaspoonfuls over beans; sprinkle with chilies. Drizzle salsa over chilies, then layer cheese over all. Cover; bake 30 to 35 minutes until heated through.
Top with sour cream, avocado, green onions and olives. Serve with tortilla chips.