Preheat the oven: Set to 375°F (190°C). Lightly grease a 9x13-inch baking dish.
Sauté the veggies: Heat olive oil in a large skillet over medium heat.
Add onion and bell pepper with a pinch of salt. Cook 5–6 minutes until softened.
Add seasonings: Stir in chili powder, cumin, smoked paprika, garlic powder, and a few grinds of pepper. Cook 1 minute until fragrant.
Build the base: In a large bowl, combine cooked rice, shredded chicken, black beans, corn, and drained tomatoes with chiles.
Add the sautéed veggies and stir gently.
Make it creamy: In a separate bowl, whisk together salsa and sour cream. Taste and season with salt and pepper. Pour over the rice-chicken mixture and toss to coat evenly.
Assemble: Spread half the mixture into the baking dish.
Sprinkle with half the Monterey Jack and cheddar. Add the remaining mixture and top with the rest of the cheese.
Bake: Cover loosely with foil and bake for 15 minutes. Remove foil and bake another 10–12 minutes, until the cheese is melted and the casserole is bubbling around the edges.
Rest and finish: Let it rest 5–10 minutes to set.
Top with cilantro, green onions, and any other favorite toppings. Serve with lime wedges for a bright finish.