01 - Heat a large skillet over medium-high heat. Add ground beef and season with salt, black pepper, ground cumin, and chili powder. Cook, breaking up the meat with a spoon, until browned and cooked through, approximately 5 to 6 minutes. Drain excess fat if necessary.
02 - Add diced onion and jalapeño to the skillet with the beef. Continue cooking for 2 to 3 minutes until vegetables are softened and fragrant.
03 - Reduce heat to low. Add processed cheese cubes, shredded cheddar cheese, and whole milk to the skillet. Stir constantly until all cheese is completely melted and the mixture becomes smooth, about 3 to 4 minutes.
04 - Sprinkle smoked paprika and garlic powder into the cheese mixture. Continue stirring until fully incorporated and the dip reaches a creamy consistency. Taste and adjust seasoning as desired.
05 - Transfer the finished queso dip to a serving bowl. Top with chopped fresh cilantro and diced tomato if using. Serve immediately while warm alongside tortilla chips for dipping.