Tied-Up Beans (Frijoles Maneados)

1 ancho chile (optional)
Water (optional)
2 cups Beans from the Pot or other cooked whole
    pinto beans, plus 1/2 cup of the cooking liquid
1/3 cup milk
1/2 onion, minced
1 garlic clove, minced
1/2 teaspoon cumin seeds, toasted and ground
4 to 6 ounces asadero or mozzarella cheese, grated

Preheat oven to 350 degrees F.

Soak the chile in enough hot water to cover it, if you wish to have a more spicy version of the dish. When the chile is pliable, cut it into thin slices.

In a food processor, pur