In 12-inch skillet, heat oil over medium-high heat.

Add onion and garlic; cook 4 to 5 minutes, stirring frequently, until onion is softened.

Stir in chili powder, cumin, salt, pepper and beef.

Cook 6 to 8 minutes, stirring occasionally, until beef is lightly browned.

Spray 3- to 4-quart slow cooker with cooking spray.

Place beef mixture in slow cooker.

Stir in beans, tomatoes and water.

Cover; cook on Low heat setting 8 to 10 hours.

Stir well before serving.