Layered Nacho Dip

1 (16 ounce) can refried beans

1 (1 1/4 ounce) package taco seasoning mix

1 (6 ounce) carton avocado dip

1 (8 ounce) carton sour cream

1 (4 1/2 ounce) can sliced ripe olives

2large tomatoes , chopped

1small onion , diced

1 (4 ounce) can diced green chilies

1 1⁄2 cups monterey jack cheese, shredded