Char the Corn: Heat a small, dry skillet over medium-high heat. Add the corn kernels and let them toast undisturbed for 2-3 minutes until they begin to char. Toss and cook for another 1-2 minutes. Remove from heat and set aside.
Sauté Aromatics: In a large pot or Dutch oven, warm the olive oil over medium heat. Add the chopped onion, poblano, celery, carrot, bell pepper, and minced jalapeno. Season with the black pepper. Sauté for 6-8 minutes, stirring occasionally, until the vegetables are softened.
Bloom Spices: Add the chili powder, cumin, onion powder, garlic powder, smoked paprika, and cocoa powder to the pot. Stir constantly for about 60 seconds to toast the spices and release their fragrance.
Simmer Base: Pour in the diced tomatoes, roasted corn, black beans, and low-sodium vegetable broth. Add the bay leaf. Stir well to combine. Bring the mixture to a gentle simmer and cook for 10-12 minutes.
Cook Quinoa: Stir in the rinsed quinoa. Continue to simmer, stirring occasionally, for 15-20 minutes until the quinoa is translucent and the spiral germ is visible.
Finish and Serve: Remove the pot from the heat. Discard the bay leaf. Stir in the fresh lime juice. Let the chili rest for 5 minutes to allow the sauce to thicken slightly. Ladle into bowls and top with cilantro and white onion if desired.