Heat olive oil in dutch oven and saute garlic until lightly browned. Add diced chicken, onion, carrots and celery and saute until chicken is done and veggies soften. Add beans, undrained, chicken broth and spices (except cayenne) and simmer for 2 hours.
Remove from heat. Add 2 cups of the jack cheese and stir until melted, then add cayenne to taste. Serve and top bowls with remaining sprinkle of cheese, a dollop of sour cream and chopped cilantro.