In a small bowl, whisk together the olive oil, lime juice, chili powder, ground cumin, sea salt, and black pepper to create the dressing.
In a large mixing bowl, combine the black beans, kidney beans, corn, red bell pepper, red onion, cilantro, and minced jalapeno.
Pour the dressing over the bean mixture.
Toss all ingredients thoroughly until the vegetables and beans are evenly coated.
Cover and refrigerate for at least 30 minutes before serving to allow the flavors to meld.