01 - In a large skillet over medium heat, brown the ground beef until no longer pink, breaking it apart as it cooks, about 5 minutes. Drain excess fat.
02 - Add the chopped onion, garlic, and jalapeño to the skillet. Sauté for 2 to 3 minutes until softened and fragrant.
03 - Stir in the chili powder, cumin, smoked paprika, salt, and pepper. Cook for 1 minute, stirring constantly, to toast and bloom the spices.
04 - Mix in the drained diced tomatoes, green chilies, and black beans. Cook for 2 to 3 minutes until everything is heated through and well combined.
05 - Reduce heat to low. Stir in the milk, then add the cheddar and Monterey Jack cheeses. Stir continuously until the cheeses are fully melted and the dip is smooth and creamy.
06 - Remove from heat and fold in the sour cream for extra richness and creaminess.
07 - Transfer the dip to a serving bowl. Top with sliced green onions, chopped cilantro, and additional jalapeño slices if desired.
08 - Serve hot alongside tortilla chips for dipping.