Preheat your oven to 375°F (190°C).
Heat a large skillet over medium-high heat and add the ground beef and diced onion.
Cook, breaking the meat up with a spatula, until the beef is no longer pink and the onion is softened, about 6–8 minutes.
Add the minced garlic and cook for 1–2 minutes until fragrant.
Stir in salt, pepper, garlic powder, onion powder, chili powder, oregano, and cumin; cook 1–2 minutes to toast the spices and combine.
Remove from heat and stir in the minced cilantro and minced jalapeño if using.
Arrange tortilla chips in an oven-safe serving plate or baking dish in an even layer and sprinkle about half of the shredded cheese over the chips.
Top the chips and cheese with the cooked beef and the rinsed black beans in an even layer.
Sprinkle the remaining shredded cheese over the beef and beans, then place the plate in the preheated oven for about 15 minutes, until the cheese is melted and bubbling.
Remove from the oven and top with salsa, guacamole, sour cream, diced scallions, black olives, and a drizzle of nacho cheese sauce.
Serve immediately while hot and enjoy.
