In a large, deep skillet, cook the ground beef over medium-high heat, breaking it apart as it cooks. Once fully browned, drain off any excess grease.
Season the beef with salt, pepper, and a pinch of red pepper flakes (if using). Pour in the pale ale and allow it to simmer for 4-5 minutes, letting the liquid reduce.
Lower the heat to medium-low, then add the cubed Velveeta and shredded pepper jack cheese. Stir occasionally as the cheese melts into a smooth, creamy mixture.
Incorporate the black beans, diced red onions, and chopped cilantro into the melted cheese.
Stir in the Rotel tomatoes, including a bit of the juice if a thinner consistency is preferred. Let the mixture warm through for an additional 5 minutes.
Serve hot, and enjoy with your favorite chips or toppings!