Heat olive oil in a large skillet over medium-high heat.
Add ground beef and cook for 5-7 minutes, breaking it into small crumbles until fully browned.
Drain excess fat if necessary, then stir in chili powder, cumin, garlic powder, salt, and pepper.
Add black beans to the skillet and cook for an additional 2 minutes until heated through.
In a small mixing bowl, whisk together the Greek yogurt and lime juice until smooth to create the dressing.
Divide the chopped romaine lettuce equally into four large bowls.
Layer the seasoned beef and bean mixture over the lettuce.
Top each bowl with tomatoes, red onion, shredded cheese, and avocado slices.
Drizzle with the Greek yogurt dressing and garnish with fresh cilantro.