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Preheat oven to 350 F degrees. Spray a 9×13 or 3 quart baking dish with nonstick spray and set aside.
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Heat a large, deep skillet over medium high heat and add olive oil. Add ground beef and cook, crumbling with a wooden spoon or potato masher, until browned and mostly cooked, about 4-5 minutes.
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Add onion and jalapeno to beef. Cook, stirring often, until softened and fragrant, about 4 minutes. Add garlic and cook about 1 minute. Beef should be fully cooked and brown at this point.
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Drain any fat and return to skillet. Stir in taco seasoning, black beans, green chiles, salt, pepper, tomato paste and picante sauce. Cook 1-2 minutes.
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Set skillet aside and add 1 1/2 cups of shredded cheese.
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Transfer beef mixture to prepared baking dish and top with remaining 1 1/2 cups of cheese.
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Bake approximately 25 minutes, until hot and bubbly and cheese is melted. Top with desired toppings and serve!