01 - Preheat your oven to 400°F.
02 - Heat olive oil in a large skillet over medium heat. Add onion and sauté for 2-3 minutes until softened.
03 - Add garlic and cook for 30 seconds until fragrant.
04 - Add the ground beef, breaking it up with a spoon, and cook until browned, about 5-7 minutes.
05 - Stir in cumin, smoked paprika, chili powder, salt, black pepper, and water. Simmer for 2 minutes until most of the liquid evaporates. Remove from heat.
06 - On a large baking sheet or oven-proof platter, spread out half the tortilla chips.
07 - Sprinkle half the beef, half the black beans, and half the cheeses over the chips.
08 - Repeat with remaining chips, beef, beans, and cheese to create layers.
09 - Bake for 8-10 minutes, or until the cheese is melted and bubbly.
10 - Remove from oven. Top with diced tomato, black olives, jalapeños, and fresh cilantro.
11 - Serve immediately with sour cream, guacamole, and salsa on the side.