In a small mixing bowl, whisk the non-fat Greek yogurt and taco seasoning until the spice is evenly distributed.
Spread the fat-free refried beans into an even layer at the base of a 9-inch glass shallow dish.
Spread the mashed avocado mixture carefully over the bean layer to create the second tier.
Apply the Greek yogurt mixture over the avocado layer using a spatula to ensure complete coverage.
Distribute the drained chunky salsa over the yogurt layer, taking care not to mix the tiers.
Sprinkle the shredded reduced-fat cheddar cheese uniformly over the salsa layer.
Top the assembly with diced Roma tomatoes, sliced black olives, and fresh cilantro.
Refrigerate the dish for a minimum of 30 minutes to allow the layers to firm and flavors to integrate before serving.