Preheat oven to 350o. Grease a large baking dish with cooking spray. In a large skillet over medium heat, heat oil. Add onion and bell peppers and cook until soft, 5 minutes. Add garlic and cook until fragrant, 1 minute. Add soups and Ro-Tel and stir to combine. Season with chili powder, cumin, salt, and pepper. Remove from heat. Layer 6 tortillas in prepared baking dish, overlapping as necessary. Spread a third of sauce over tortillas, then top with half the chicken and a third of cheese. Repeat layers, ending with 6 tortillas, sauce, and cheese. Bake until chicken and tortillas are warmed through and cheese is melty, 30 minutes. Garnish with cilantro pico and jalapeno before serving