In a pan, heat olive oil over medium heat until hot. Add onion to pan and saute 1-2 minutes, until the onion is translucent. Add the ground beef, salt, and black pepper, and cook until the beef is browned. Set aside.

Open the container of whipped cream cheese and add the taco seasoning to the container. Stir well.

Begin assembling your RITZ taco bites. On each RITZ cracker, layer seasoned cream cheese, cooked ground beef, cherry tomato half, sliced black olive, and cilantro. Serve at room temperature or chilled.