Place the oats and garlic in the bowl of a food processor. Pulse until they are coarsely chopped.
Add half of the beans, the egg and the cumin to the bowl. Process until it is a fairly smooth paste, scraping down the bowl as needed.
Put the bean paste into a medium bowl. Add the chopped onion, cilantro, and the remaining whole beans. Grate half of the cheese finely and add to the bowl. Stir everything until the mixture is well mixed.
Scoop the mixture out into 4 equal portions. Gently form into pattys. Spray a plate lightly with the cooking spray. Place the burgers on the plate cover with plastic wrap and chill for at least 1 hour (more won't hurt).
Heat a large non-stick skillet over medium- high heat. Add the olive oil and swirl to coat the pan. Place the burgers in the pan and cook without moving for 3 or 4 minutes. They should be nicely browned.
Flip the burgers and cook for another 3 - 4 minutes. Thinly slice the remaining cheese and place a slice on each of the burgers. Cover for 2 minutes or until the cheese is melted.
Put the bottom of the bun on a plate. Top with the shredded lettuce and drizzle with the salsa. Place the burger on top and add the tomato and avocado and serve.