Cook the bacon in a large Dutch oven over medium heat for 7 to 8 minutes until crisp. Transfer to a paper towel lined plate, leaving the fat in the pot.
Spoon 1 tbsp of the bacon fat into a small skillet, add the panko and toast over medium heat for 2 to 3 minutes until golden. Set aside.
Add the onion and jalapenos to the Dutch oven and cook in the remaining fat for 5 minutes. Stir in the garlic and cumin and cook for 1 minute.
Sprinkle in the flour and stir for 1 minute, then slowly whisk in the broth. Add the chicken breasts, cover and simmer for 20 minutes until cooked through.
Remove the chicken and shred it with two forks.
Reduce the heat to low. Whisk a ladle of hot broth into the cream cheese until smooth, then stir it into the pot along with the shredded cheddar and oat milk until melted and creamy.
Return the chicken and half the bacon to the pot and season with the salt and pepper. Serve topped with the remaining bacon, toasted panko and green onions.