Preheat the oven to 250ºF. Line a baking sheet with paper towels.
Pour enough oil in a large skillet to reach ¼-inch. Heat over medium heat until the oil sizzles but does not smoke.
Add 1 tortilla at a time and fry until golden brown, about 30 seconds. (The oil should sizzle immediately, if not the oil is not hot enough.) Flip and fry the other side until golden brown.
Transfer to the paper towel-lined baking sheet and keep warm in the oven until all the tortillas are fried.
Heat the refried black beans. Season the lettuce with salt and pepper.
To serve, layer the fried tortillas with the refried black beans, lettuce, some Pico de Gallo and crumbled cheese.