Corn Chowder with Cotija, Lime and Chile

ears of corn, husked

olive oil

butter

large yellow onion, diced

garlic, minced or pressed

jalapeño peppers, seeded and minced

chili powder

all purpose flour

vegetable broth

cooked black beans (2 15 oz. cans, drained)

whole milk

Kosher salt and freshly ground pepper,

heavy cream

mayonnaise

Mexican crema or sour cream

finely crumbled cotija, plus more for garnish

lime, divided

finely chopped cilantro

Chili powder or smoked paprika