Place wrappers on a work surface. With a butter knife, spread 1 tablespoon refried beans over half of each wrapper. Top with 1 tablespoon cheese. Fold the dough over the filling to create a half-moon shape; do not seal.
Heat olive oil in a large skillet over medium heat. Add quesadillas in a single layer and cook until the cheese has melted, about 2 minutes per side.
Serve immediately, garnished with cilantro, if desired.