Corn Salsa with Black Beans

2 (10 ounce) packages frozen corn, thawed

2 (15 ounce) cans black beans, rinsed and drained

1 green bell pepper, diced

1 red bell pepper, diced

½ jalapeno pepper, finely chopped

½ cup finely chopped red onion

½ cup chopped fresh cilantro

2 cloves garlic, minced

½ cup mayonnaise

¼ cup sour cream

2 tablespoons red wine vinegar

2 tablespoons ground cumin, or to taste

1 tablespoon chili powder

½ teaspoon cayenne pepper

½ teaspoon salt, or to taste

1 lime, juiced

ground black pepper to taste