Preheat oven to 350 degrees and spray a 13x9-inch baking dish with pam spray and set aside
In a large microwave bowl, heat the cream cheese and sour cream for 1 minute to soften them
Using a wire whisk, mix until smooth
Mix in the refried beans, black beans, corn, remaining sliced olives, green chiles, taco seasoning, and 1 - 16 oz bag of cheese
Spread mixture into the baking dish
Top with remaining cheese and bake for 30 minutes or until cheese is melted
Top with sliced cherry tomatoes, cilantro, black olives, and avocado slices
Serve with tortilla chips and enjoy!