01 - Preheat the oven to 400°F. Butter a medium gratin dish or 4 individual ramekins and set aside.
02 - In a medium saucepan over medium heat, melt 2 tbsp unsalted butter. Add the finely chopped shallot and minced garlic, sautéing until softened and fragrant, about 2 minutes.
03 - Sprinkle the all-purpose flour into the saucepan and cook, stirring constantly, for 1 to 2 minutes until the raw flour aroma dissipates and the mixture forms a smooth paste.
04 - Gradually whisk in the warmed whole milk and heavy cream, cooking over medium heat until the sauce thickens and becomes smooth, about 2 to 3 minutes.
05 - Add the softened cream cheese, shredded Gruyère, and shredded sharp cheddar to the sauce, stirring until completely melted and creamy. Stir in Dijon mustard, Old Bay seasoning, and cayenne pepper. Season to taste with salt and freshly ground black pepper. Remove from heat.
06 - Gently fold the jumbo lump crab meat and 2 tbsp chopped chives into the cheese sauce, taking care not to break apart the crab lumps. Transfer the mixture evenly into the prepared gratin dish or ramekins.
07 - In a small bowl, combine the panko breadcrumbs, grated Parmesan cheese, and olive oil or melted butter, tossing until the breadcrumbs are evenly moistened. Spread the topping uniformly over the crab mixture.
08 - Bake in the preheated oven for 18 to 22 minutes, or until the filling is bubbling and the topping is a deep golden brown.
09 - Remove from the oven and let rest for a few minutes. Garnish with additional fresh chives and serve warm alongside lemon wedges.