The most common and most likely answer to this crossword clue is the 10 letter word QUESADILLA
I've seen this crossword clue in Financial Times
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Buddy explains!
The straight part
We know that "cheese- filled pancake" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case cheese- filled pancake = quesadilla.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does QUESADILLA mean?
QUESADILLA noun- A Mexican dish made by filling a tortilla (corn or flour) with cheese, folding in half and toasting until the cheese is melted. Additional ingredients, such as meats (chicken or beef, commonly), or vegetables can be added. Often served with salsa, guacamole and/or sour cream.