Preheat oven to 375 degrees. Spray a 9x13 casserole dish with cooking spray.
Heat olive oil over medium high heat in skillet and add ground beef. Cook until no longer pink.
Add onion, garlic and bell peppers to meat. Cook until vegetables are soft, about 5 minutes.
Stir in black beans, corn, chili powder, cumin, green chilis, cilantro and enchilada sauce. Cook for a few minutes to combine flavors. Set aside.
Place tortillas in bottom of baking dish, they will overlap. Spread the refried beans over tortillas.
Spread the beef mixture over beans. Top with cheese.
Bake uncovered for 15-20 minutes or until the cheese is melted and bubbly.