Under the laws of Horizon, you must live in the Ghoul quarter. This is located in the Slums, but neither the Three Families nor any other mob are foolish enough to claim it as their territory. As with nobles, you have free choice of which mob to join.
It is the governing council of the Ghoul community - the Circle - that decides who is to make up the hunting and corpse collecting squads. Although in theory any Ghoul can wander around with a city badge, in practice if the elders hear that you have done so without their authorisation (or without being recruited on the spot by a squad) then you will be subject to horrible vengeance. Burning with hot irons or maiming have in the past been meted out to those who 'dishonour the community' in this way.
In general the Circle relies on a few 'professional' Hunters to lead the squads for them.
Ghouls buying day job quirks should note whether they are working inside the Ghoul quarter or not. If not, keep in mind that you will be feared an loathed by your coworkers and employer. If they are in the Ghoul quarter, note that your every action will be scrutinised by your neighbours and business partners.
In Good Standing (3)
You are In Good Standing in the Ghoul community; you are respected, as well as liked by the elders and Circle members. This translates into considerable unofficial power, as a bad word or reproving glance from you can seriously damage the reputation of many other Ghouls. For a tradesman (for example), this could mean the difference between success and failure in business. You will need to decide why you are In Good Standing.
Note that although it is not a "ghouls only" merit, it is extraordinarily rare for a human to have this. You will need to dazzle the GM team with the brilliance of your reason why a human character should have this.
Dishonoured (-3, ghouls only)
Your character has done something to offend the rigid, stifling structure of the Ghoul social order. Decide what. Other Ghouls will ostracise you except when absolutely necessary, and will not do business with you or employ you unless there is no other choice. You will never be asked to join hunts or collection squads except in direst need. Redemption may be possible, but it will be difficult.
Anathema (-1, non-ghouls only)
The Ghoul community of Horizon detests you. Decide why. Since the Ghouls are strictly law-abiding, this is a survivable condition for a non-Ghoul; their own codes of honour prevent them from actually framing you for murder or cultism. However, they have myriad subtle ways of making your life difficult or uncomfortable - and woe betide you if they get the opportunity to link your name with murder or cultism. Ghoul NPCs and PCs will generally be aware of your status as Anathema, as this is the sort of news that the Circle ensures is passed around the community.
Direful Aspect (-1, ghouls only)
Other Ghouls merely consider you a trifle ugly, but there is something about your appearance that humans find hideous, repulsive, grotesque, and horrifying. It's partially looks, and partially an undefinable something about you. Humans react adversely to you, and you are extremely unlikely ever to get a job outside the Ghoul quarter.
Dude Looks Like a Human (1, ghouls only)
Most Ghouls are obviously not human. Not you. In Ghoul society you are something of a freak, but it's to your advantage. With appropriate preparation (clothes, haircut, accent, perhaps a little makeup) you can pass as a human. With this merit alone you cannot fool anyone who has had close contact with your Ghoul persona (which is likely to be a significant proportion of Horizon's tightknit Ghoul community), or a medical examination.