Preheat the oven to 350°F.
Place matzo on a baking sheet in a single layer, breaking boards as necessary to fit.
In a small bowl, combine the olive oil, salt, and pepper. Evenly brush the matzo with the seasoned olive oil. Bake until golden and crispy, about 5 minutes. Once cool enough to handle, break the matzo into bite-size pieces and spread across a baking sheet.
Generously cover with shredded Mexican-style cheese and bake until melted, about 5 minutes.
Remove the sheet from the oven and layer with the beans and pico de gallo. Dollop with the guacamole and sour cream. Top with the black olives, jalapeños, cotija, and cilantro. Enjoy!