In a medium mixing bowl, combine the softened light cream cheese, non-fat Greek yogurt, and taco seasoning. Whisk until the mixture is uniform and smooth.
Arrange the tortilla scoops on a large serving platter or flat work surface.
Place approximately 1 teaspoon of fat-free refried beans into the base of each tortilla scoop, pressing down gently to create an even layer.
Transfer the yogurt and cream cheese mixture into a piping bag or a plastic bag with the corner snipped off.
Pipe approximately 1 teaspoon of the seasoned yogurt mixture over the bean layer in each scoop.
Top each bite with a pinch of shredded lettuce, diced tomatoes, and shredded cheddar cheese.
Finish by placing one olive slice and a sprinkle of cilantro on top of each bite.
Serve immediately to ensure the tortilla chips remain crisp.