In a medium bowl, combine the Greek yogurt, softened light cream cheese, and one packet of taco seasoning. Mix thoroughly until completely smooth and well combined. This is your first layer base.

In a separate microwave-safe bowl, warm the fat-free refried beans slightly (about 30 seconds) just to make them easier to spread.

Choose a serving dish (an 8x8 inch dish or a similar shallow bowl works well). Evenly spread the warmed refried beans across the bottom of the dish.

Carefully spoon the yogurt and seasoning mixture over the bean layer and spread gently to cover the beans entirely, avoiding mixing the layers.

Sprinkle the shredded low-fat cheddar cheese evenly over the yogurt layer.

Top the cheese layer with the salsa, followed by the diced Roma tomatoes, sliced black olives, and green onions.

Cover the dip and refrigerate for at least 1 hour before serving to allow the flavors to meld and the dip to firm up. Serve chilled with your favorite baked tortilla chips or vegetable sticks.