In an 8×8 or 9×9 baking dish, spread the refried beans in an even layer across the bottom with a spatula. In a mixing bowl, stir the cream cheese, sour cream and taco seasoning until well combined and smooth. Transfer this mixture to the baking dish and spread in an even layer on top of the beans. Top this layer with a layer of salsa. Sprinkle the shredded cheese over the top and follow with the shredded lettuce. Evenly distribute the chopped tomatoes over top of the lettuce and finish with the black olives.