In a dark alley at night, you are attacked by thugs. Before they can take anything, they turn white with terror and run away. You discover that you have a guardian ghost, a wise, benign spirit who accompanies you (work with your DM to determine details)
Pickpocket: During your adolescence your family fell on hard times forcing you to turn to petty theft and other criminal activities involving you with criminal organisations.
In adult life you gain a rival who seeks to undo your character, they will attempt to hinder your efforts until they get what they want. (work with your DM to determine details)