Spread the refried beans evenly across the bottom of an 8x8-inch dish to form the first layer.
Spoon half the sour cream over the beans and spread it smooth for the second layer.
Add the guacamole on top of the sour cream and spread it gently to cover.
Sprinkle the shredded cheddar cheese evenly over the guacamole.
Scatter the diced tomato, sliced black olives, and chopped green onions across the cheese.
Place the remaining sour cream in a small zip-top bag, snip off one corner, and pipe thin lines to form a spiderweb pattern on top.
Serve the dip right away with tortilla chips on the side.