In medium bowl, mix refried beans and taco seasoning mix. Spread mixture on large platter.
In another medium bowl, mix cream cheese and chiles. Carefully spread over bean mixture.
Top with salsa, lettuce, cheese, olives and tomato. Refrigerate until serving time. Serve with tortilla chips.
*I replaced the olives with chopped onion as we aren't big olive fans.
Adapted from Betty Crocker