Add the oil to a large pot and bring the heat to medium-high.
Drop in the onion, garlic, red pepper, and poblano pepper. Cook for 8-10 minutes or until they are softened, stirring frequently.
Add the fire roasted tomatoes, broth, black beans, kidney beans, refried beans, cumin, ancho chili powder, chipotle chili powder, smoked paprika, oregano, and salt. Stir.
Bring to a boil, then lower heat to a simmer, cover, and cook for 30 minutes.
Add the corn and lime juice and stir. (If using frozen corn, cook for 3 minutes on low until it is thawed)