Heat olive oil into a large pot over medium heat.
Add onions and saute until semi-translucent.
Add garlic and saute until fragrant.
Add ground beef and break up into small peice.
Cook until ground beef is done and then drain off the fat.
Add in broth, tomato sauce and taco sauce.
Stir in all of the seasonings.
Add rotel tomatoes, black beans, kidney beans and corn.
Add bay leaf.
Cover and simmer for 30 minutes.
Remove bay leaf and stir in fresh cilantro.
Taste and adjust seasonings if needed.
Laddle into bowls and top with desired toppings.