01 - In a large skillet over medium heat, cook the ground beef until no longer pink, breaking it apart with a spoon, about 5 minutes. Drain off any excess fat.
02 - Add the chopped onion, minced garlic, and diced jalapeño to the skillet. Sauté for 2 to 3 minutes until the vegetables are softened and fragrant.
03 - Stir in the chili powder, ground 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, diced 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 mixture is smooth and creamy.
06 - Remove the skillet from heat and fold in the sour cream, stirring gently until evenly incorporated for extra richness and creaminess.
07 - Transfer the dip to a serving bowl. Top with sliced green onions, chopped fresh cilantro, and additional jalapeño slices as desired. Serve hot with tortilla chips.