Pour the oil into a large pot and heat over medium heat.
Add the garlic, onion, bell peppers, carrots, celery, and jalapeno.
Cook for around 5 minutes until the vegetables start to soften, stirring occasionally.
Stir in all the seasonings and cook for a few more minutes.
Add the broth, tomato sauce, and Ro-tel, then bring to a boil.
Lower the heat and simmer, covered, for 30 minutes.
Add the beans and zucchini and stir.
Cover and simmer for 30 more minutes.
Combine the masa with the warm water, then stir it into the pot.
Simmer for a further 15 minutes. Check the seasonings and adjust if needed.
Serve with Cotija cheese, pico de gallo, and cilantro.