Preheat your oven to 375°F (190°C).
In a large skillet over medium heat, cook the ground beef until browned. Drain any excess fat.
Add black beans, corn, cream of mushroom soup, garlic powder, onion powder, salt, and pepper to the skillet. Stir until well combined and heated through.
In a mixing bowl, combine the cheddar and mozzarella cheese. Reserve half to sprinkle on top later.
Pour the beef and bean mixture into a 9x13 inch baking dish, spreading it evenly.
Sprinkle the cheese mixture over the beef and bean layer.
Arrange the frozen tater tots on top of the cheese layer in a single, even layer.
Bake in the preheated oven for 30 minutes, or until the tater tots are golden brown and crispy.
Remove from the oven and sprinkle the reserved cheese on top. Return to the oven for an additional 5 minutes, until the cheese is melted and bubbly.
Optional: Garnish with chopped green onions before serving.