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HEAT oil in large skillet on medium-high heat. Add chicken; cook 4 min. on each side or until browned on both sides. Move chicken to one side of skillet. Add tomatoes, onions, garlic and ham to other side of skillet; cook 4 min.
MIX water, annatto seasoning and paprika. Add to skillet with bouillon cube; stir. Bring to boil. Stir in rice and chiles; simmer on medium heat 6 min., stirring occasionally.
ADD beans; cover. Simmer on medium heat 20 min.or until beans are tender, stirring occasionally. Remove from heat; let stand 5 min. Top with cheese.