@Scarecrow71
Moved Etiquette point to Theology.
1. Native: Venetian. Multi-Lingual: Germanic, Arabic, Slavic (+Latin from Literate). I'm not sure how granular you go with languages, so this is open to discussion.
2. Listed below. The way I imagine it, Albert isn't especially "heretical" by the monk standards. He believes in alchemy and numerology, and practices the latter to supplement his financial dealings. He's a "wow, this guy hangs out in the library in his spare time" guy, not "wow, this guy was drawing a pentagram in the courtyard last night" guy.
3. I don't have any hard quantifications I can provide. I'm imagining it as a "living rent free in his head" kind of thing, where the actual losses are less important than the fact that Felix is eternally butthurt about getting a bad deal. It wounded his pride as a merchant, and he'll bear this grudge to his grave. Like a dwarf.
4. Yeah
San Giorno was a popular meeting place for major foreign dignitaries including popes and emperors, so I imagine the hustle can flow. It's all about that sigma monk grindset 😂. More seriously, Kings/Queens/Emperors probably have most of their power tied in real estate, military, administrative apparatus, and other non-monetary but formidable things. Incidentally, the monastic wealth isn't even the question of corruption. They weren't skimming government money - they were a parallel structure onto themselves with their own lands and money.
As for Retainers, I see them as a closer tie figures than simple hirelings. Alfreds and Robins and such. Albert almost certainly has some retinue with him on the journey to Castle Giovanni, but no one that'd be a supporting character.
But the biggest point is that I think it'd be more interesting to acquire a ghoul during the game rather than come with a pre-built one.
Specialties
Talents: Expression (Conversation), Leadership (Compelling), Subterfuge (Lies)
Skills: Commerce (Negotiation)
Knowledges: Occult (Research), Seneschal (Economics)