Preheat the oven to 400 degrees.
Make the beef filling by adding the oil to a large skillet over medium heat.
Add the beef and brown, breaking up with a spoon as you go. Drain off any grease if necessary.
Add the can of diced tomatoes, tomato paste, cumin, garlic powder and salt and stir to combine. Cook for 5 minutes to thicken and then remove from the heat.
Spread out a layer of refried beans in the bottom of an 8½" x 8½" pan.
Next add a layer of rice, then a layer of the beef mixture and ending with the cheese.
Bake for 15 minutes and remove from the oven.
Garnish with chopped scallions and serve with tortilla chips for dipping.