Heat the oil in a large skillet over medium-high heat. Once oil is shimmering, add the garlic, onions, peppers, season with salt and pepper and stir. Let vegetables cook, stirring occasionally, for about 10 minutes or until soft. Add the beans, tomatoes, chili powder, paprika, oregano, and cumin. Stir well and add in the cooked rice and stir to combine. Remove from heat.