Warm the tortillas in a dry skillet for about 20 seconds per side or microwave wrapped in a damp paper towel for 20 to 30 seconds until flexible.
In a large non stick skillet over medium high heat, cook the ground beef for about 5 minutes, breaking it apart, until no pink remains. Spoon off excess fat, leaving about 2 tablespoons in the pan.
Add the chopped onion, cumin, smoked paprika, and chili powder. Cook for 3 to 4 minutes until the onion softens and the spices are fragrant.
Stir in the Rotel tomatoes with juice and the black beans with their liquid. Reduce heat to medium low and simmer for 8 to 10 minutes, stirring occasionally, until the mixture is thick and most liquid has evaporated.
Turn off heat and let the filling rest for 10 minutes to cool slightly. This prevents soggy tortillas during assembly.
Lay a tortilla flat. Sprinkle a small handful of cheese in the center, leaving a 1 inch border. Spoon about 2/3 cup of beef mixture over the cheese and top with a little more cheese.
Fold the short sides inward, then fold the bottom edge tightly over the filling and roll away from you into a compact burrito. Place seam side down.
Heat a thin layer of oil in a skillet over medium heat. Cook burritos seam side down first for 3 to 5 minutes total, turning every minute, until golden brown and lightly crisp on all sides. Let rest 1 to 2 minutes before serving.