Sauté the Aromatics: Heat the olive oil in a large pot or Dutch oven over medium heat. Add the chopped onion and sauté for about 5 minutes, until softened and translucent. Add the garlic and jalapeño (if using), and sauté for another minute until fragrant.
Add the Spices: Stir in the cumin, coriander, chili powder, oregano, and crushed red pepper flakes (if using). Cook for another 1-2 minutes to let the spices bloom and become aromatic.
Add the Chicken and Broth: Add the shredded chicken to the pot, then pour in the chicken broth. Stir to combine, making sure the chicken is well distributed in the broth.
Simmer the Chili: Bring the mixture to a boil, then reduce the heat to low and simmer for about 20-25 minutes, allowing the flavors to meld together.
Add Beans and Corn: Stir in the drained white beans and frozen corn kernels. Simmer for an additional 10 minutes, allowing the beans to heat through and the corn to soften.
Finish with Cream: Stir in the heavy cream (or sour cream), and let the chili simmer for another 5-10 minutes. Season with salt and pepper to taste.
Serve: Ladle the white chili into bowls, and garnish with fresh cilantro and shredded cheese. You can also serve it with tortilla chips, crackers, or cornbread on the side.