Put the oil in a large pot over medium heat. When it's hot, add the chicken, onion, and black pepper. Cook and stir until chicken has lost its pink color and onion is soft. Stir in garlic, chili powder, cumin, and oregano and cook for 1 minute more.
Add the beans and broth. Bring to boiling; reduce heat and cook, covered, stirring occasionally, until the flavors have melded, about 15 minutes. Serve over chips or rice, if desired, and garnish with cilantro and cheese.