Preheat your oven to 350°F (175°C).

In a large skillet over medium heat, cook the ground beef until browned, breaking it apart as it cooks. Drain any excess fat.

Add the black beans, corn, cream of mushroom soup, milk, chili powder, garlic powder, onion powder, salt, and black pepper to the skillet. Stir until well combined.

In a greased 9x13 inch baking dish, spread the beef mixture evenly.

Layer the frozen tater tots on top of the beef mixture in a single layer.

Sprinkle the shredded cheddar cheese over the tater tots.

Bake in the preheated oven for 45 minutes, or until the tater tots are golden brown and crispy.

Remove from the oven and let it cool for a few minutes before serving. Garnish with diced green onions if desired.