Preheat oven to 400 degrees F. Place tortillas on a large baking sheet. Poke the tortillas with a fork, this will prevent them from puffing up in the oven. Bake tortillas for 3-4 minutes or until slightly golden brown. Remove from oven.
Evenly spread tortillas with refried beans. Next, evenly spread on the salsa and top with shredded cheese. Bake for 4-5 minutes or until cheese is melted and edges are golden and crisp.
Transfer the tortillas to a cutting board and let cool for 1 minute. Top with avocado, tomatoes, green onion, black olives, and cilantro. Cut into slices and serve immediately.