Southwestern Lucky Dip

Ingredients

• 1 (8-ounce) package cream cheese, softened
• 2 (15-ounce) cans pinto beans or black-eyed peas, rinsed and drained, divided
• 1/2 tablespoon fresh lime juice
• 1 teaspoon hot sauce
• 1/4 teaspoon kosher salt
• 1 cup ham, diced
• 1/4 cup scallions, finely chopped
• 1/4 cup jarred roasted red bell pepper, finely chopped
• 1 (8-ounce) block Monterey Jack cheese, shredded, divided
• tortilla chips, for serving
• 2 fresh tomatoes (about 4 ounces each), chopped
• 2 tablespoons fresh cilantro, finely chopped
• 1 tablespoon olive oil
• 1 tablespoon fresh jalapeño, minced
• 1 tablespoon fresh lime juice