Preheat your oven to 375°F (190°C). Lightly grease a 9x13-inch baking dish so the casserole doesn't stick later. It also makes cleanup a breeze.
In a large skillet over medium-high heat, cook the ground beef until it’s no longer pink. As it browns, break it up with your spoon for even texture. Once done, drain off the excess fat to keep things from getting too greasy.
Add your diced onion and garlic into the skillet. Stir and cook for about 5 minutes until the onion becomes soft and translucent. This step really brings out the flavor. Now, pour in the enchilada sauce, diced tomatoes, green chiles, and your spices — chili powder, cumin, salt, and pepper. Let it all simmer for 5 minutes so the flavors meld.
Spoon a small layer of your beef mixture into the bottom of the prepared baking dish. Add a layer of tortilla quarters over it. Scatter some black beans on top, followed by a generous handful of each cheese.
Keep layering — meat, tortillas, beans, and cheese — until everything is used up. Make sure the top layer ends with a heavy sprinkle of cheese for that golden finish. If you like olives, now’s the time to scatter them across the top.
Cover the dish with foil and bake for 20 minutes. Then remove the foil and bake for another 10 minutes until the cheese is melted and bubbling. Let the dish rest for a few minutes before serving.