In a large skillet over medium-high heat, brown ground beef beef for 7 minutes, or until browned.
Drain any fat from the beef and add the taco seasoning and water according to packet instructions. Set aside.
In a medium saucepan over medium heat, warm refried beans for 5 minutes, or until warmed thru. Stir the salsa and 1 cup of the cheese into the refried beans.
Place the corn chips in the bottom of the baking dish that has been coated with nonstick cooking spray. On top of the corn chips, add the layers as follows: bean mixture, ground beef mixture, and top with the remaining shredded cheese and black olives.
Bake the casserole for 15 minutes, or until cheese is melted and casserole is heated through.Remove from oven, top with chopped tomatoes and cilantro. Serve with extra corn chips if desired.
Notes
If you have leftovers you could either reheat and eat, or fill a tortilla and warm for lunches, wrap burrito like and heat in the oven of sear in a hot skillet "Taco Bell" style.