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 off excess fat.
02 - Add the chopped onion, garlic, and jalapeño to the skillet. Sauté for 2 to 3 minutes until the vegetables are 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. Pour 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 the skillet from heat and gently fold in the sour cream for added richness and creaminess.
07 - Transfer the dip to a serving bowl. Top with sliced green onions, chopped cilantro, and extra jalapeño slices as desired. Serve hot with tortilla chips.