Preheat the oven to 375°F.
If using frozen corn, thaw it first and pat it dry. Add the corn to a very hot skillet and cook until lightly charred.
1 1/2 cups corn
In a large bowl, whisk together sour cream, mayonnaise, lime juice, lime zest, chili powder, cumin, smoked paprika, garlic powder, salt, black pepper, and chipotle sauce.
1/2 cup sour cream, 1/3 cup mayonnaise, 1 tbsp lime juice, Zest of 1 lime, 1 tsp chili powder, 1/2 tsp cumin, 1/2 tsp smoked paprika, 1/2 tsp garlic powder, 3/4 tsp salt, Fresh black pepper
Add the black beans, charred corn, red bell pepper, red onion, cilantro, half of the Monterey Jack cheese, and half of the cheddar cheese. Stir until combined.
1 15 oz can black beans, drained & rinsed, 1/2 cup finely diced red bell pepper, 1/4 cup finely diced red onion, 1 cup shredded Monterey Jack, 1/2 cup shredded sharp cheddar, 1/4 cup chopped cilantro
Transfer the mixture to a 1 quart baking dish.
Sprinkle the remaining cheese over the top.
Bake for 20 to 25 minutes, until hot and bubbly.
Broil for 1 to 2 minutes if you want the top more golden.
Serve warm with tortilla chips, crackers, or veggie sticks.