Prepare the Layers:
In a small bowl, mix the sour cream with ground cumin, garlic powder, salt, and black pepper.
Assemble the Salad:
Spread the refried beans/ground beef evenly in the bottom of a 9×13 inch dish or a similar-sized serving dish.
Next, layer the seasoned sour cream over the refried beans.
Spread the salsa over the sour cream layer.
Sprinkle the shredded cheddar cheese evenly over the salsa.
Add the shredded lettuce in an even layer on top of the cheese.
Follow with a layer of diced tomatoes.
Add the sliced black olives and chopped green onions on top.
Serve with tortilla chips.
