Preheat oven to 375°F.
In a large, oven-safe skillet, heat oil over medium heat until shimmering. Once hot, add chicken and cook until it reaches an internal temperature of 165°F. Remove the chicken from the skillet and place into a large bowl. Set aside.
To the same skillet you cooked the chicken, add onion. Cook for 3-5 minutes, or until softened. Add garlic and cook for 1 more minute.
Add the onions and garlic to the bowl with the chicken. Add chili powder, cumin, cream of chicken soup, green onions, ½ cup cheddar, and ½ cup Monterey Jack. Mix until well combined. Set aside.
In a separate bowl, mix enchilada sauce and refried beans. Set aside.
Add one tortilla to the skillet. Evenly spread half of the chicken mixture over the tortilla. Place another tortilla on top. Spread half of the bean mixture over the second tortilla. Add another tortilla on top. Spread the remaining chicken mixture over this tortilla. Top with another tortilla, the remaining bean mixture, and the final tortilla.
Sprinkle the remaining cheese over the top.
Bake uncovered for 25-30 minutes, or until the cheese has melted and the sauce is bubbling.
Garnish with sour cream, jalapeno, and cilantro. Serve warm.