Cook beef in a skillet on the stovetop, onion and garlic over low/medium heat (about 5 minutes). Once meat is brown (cooked), stir in soup, ketchup, mustard and Worcestershire sauce. Heat to a boil and occasionally stir. Reduce heat once boiling to low, cover and simmer for 10-15 minutes
Spoon beef mixture into a serving dish, top with potato and sprinkle cheese. Top with bacon and onion
Spoon beef mixture into a 9x13 baking dish and layer potato on top (spread evenly). Sprinkle with cheese. Top with bacon and onion.
The hot potato will melt the cheese or if potato isn't hot, reheat in microwave.