Preheat the oven to 375°F (190°C).
In a pan, cook the ground beef until browned, then add taco seasoning.
Spread refried beans on one tortilla, add a layer of the beef mixture, and sprinkle with cheese.
Top with the second tortilla, then bake for 10-15 minutes until heated through.
Remove from the oven and top with diced tomatoes, olives, sour cream, green onions, and jalapeños.
