Combine the beans, tomatoes, cheese, pepper, onion, and cilantro together in a medium mixing bowl; cover the bowl and refrigerate until needed.
In a small container combine the lime juice, olive oil, salt, and cayenne pepper, cover the mixture and refrigerate until needed.
Divide the salad into equal amounts and place in 4 quart-size resealable plastic food storage bags or lidded containers so that they can be easy transported. Stir the dressing and place about 1 1/2 teaspoons of the dressing into 4 containers or small resealable plastic storage bags and then place the 4 smaller bags into larger bags.
When ready to serve take the dressing and pour it into each of the quart-size bag with the salad, seal the bag and toss the salad so that it is evenly coated with the dressing; serve.