In large nonstick skillet, brown ground beef over medium heat 8 to 10 minutes or until no longer pink, stirring occasionally. Pour off drippings.
Stir salsa into beef. Add refried beans, mixing well; cook 5 minutes to heat through. Spread onto bottom of 13x9-inch baking dish; sprinkle with cheese. Heat in 425ºF oven 10 minutes or microwave on HIGH 3 minutes until cheese is melted.
Arrange tomato over cheese; sprinkle with olives and green onions. Top with sour cream if desired. Serve with tortilla chips.
