Turn Instant Pot to saute function. Add olive oil to pot. Allow oil to heat 1 - 2 minutes. Add onion, carrots, and celery to pot and saute for 3 - 4 minutes, stirring occasionally.
Add garlic to pot and saute another 2 minutes, stirring occasionally. Careful not to burn garlic.
Add broth, water, ham, herbs, beans, and pepper (also salt and/or cayenne, if desired).
Turn Instant Pot to bean/chili function. Close instant pot and allow to pressurize and cook. When timer expires, let Instant Pot depressurize naturally (20 - 25 minutes). If still under pressure, carefully release remaining pressure manually. Caution: with soup liquid can come through pressure valve so release slowly and carefully or just allow Instant Pot to fully depressurize on its own.
Once depressurized and safe to open lid, stir in kale until it wilts.
Optional: Remove whole herbs and bay leaf.
Ladle into bowls. Sprinkle in cilantro garnish and serve.