1 pound mini rigatoni pasta

1 pound mini rigatoni pasta 1 shallot, sliced 3 garlic cloves, minced 1/2 teaspoon olive oil 5 tablespoons unsalted butter 1/4 cup flour 2 cups milk 1/3 cup Parmesan cheese 8 ounces Monterrey jack cheese 8 ounces mozzarella  cheese 8 ounces cream cheese softened 1/4 teaspoon salt 1/2 teaspoon pepper 1/4 teaspoon nutmeg 1/3 cup panko bread crumbs