Prepare the beans. Heat black beans with their liquid and a pinch of salt until they begin to boil. Drain and spread evenly in the bottom of a serving dish.
Make the guacamole. Mash avocados with lemon juice, olive oil, salt, and pepper until smooth. Spread over the bean layer.
Make the creamy layer. Beat softened cream cheese and sour cream until smooth. Mix in taco seasoning until fully combined.
Layer the dip. Spread the creamy mixture evenly over the guacamole.
Add toppings. Top with lettuce, shredded cheese, tomatoes, olives, green onions, and jalapeños if using.
Chill and serve. Refrigerate for 1–2 hours, or even overnight. Let sit out for 10–15 minutes before serving, then serve with tortilla chips.