Preheat oven to 375 degrees F.
Brown the ground beef in a large skillet over medium-high heat, lower heat to medium low heat. Stir in the onion, green bell pepper, tomatoes, water, salsa, rice, chili sauce, salt, brown sugar, cumin, Worcestershire sauce, and pepper.
Let simmer for about 30 minutes, stirring occasionally.
Pour mixture into a 9x13-inch casserole dish sprayed with nonstick cooking spray.
Press down firmly into the pan, then spread refried beans on the top and sprinkle with the shredded cheddar cheese.
Bake in preheated oven for 10 to 15 minutes, or until cheese is melted and bubbly.
Garnish with chopped fresh cilantro and diced tomatoes.