Class - How you work as part of your team/party.
Specialty - What you did before becoming an adventurer/spy/cop/ect.
Talent - Personality.
That's how I always think of those, just point it out. Concept begins and from that I usually go straight to a class. If the idea goes right to an expert class that's my focus and I start looking at base classes that merge well. If I think of a base class first I tend to want to right that out to level 20. Say I want to play Swearengen from Deadwood in a FC city campaign. It screams Burglar, robbing, steal, lying, sneaking out the back door and coming back later. Regent could also work very well but all I can focus on is hitting level 14 and having enough rep to own half of a small city. So we'll save Regent for later as a maybe, but Burglar it is.
I can picture Al in my head and I know I want to stab things, I check out the Knife chain and decide I want a high Int to go with the Wis and Cha Al should have. Depth of Study would also be useful, interests including Gold, Exchange rates, Prostitution, Gambling, Disinformation. All good stuff there. Extra Holding is looking good right off the bat("Truth is, as a base of operations, you cannot beat a &%*ing saloon"). Extra Contact is looking good, a town crier on the take to spread the news I want known, let us call him Merrick.
I consider origins, Cunning Criminal pops instantly in my head, but I don't like Cunning's Cha hit and Blend/Prest. aren't going to be things I focus on. I like Lord, you put crime in front of it and you have Crime Lord, which is definitely my focus and it gives me a band of thugs that I could use as Brown Shirts and Noble Blood will help me buy my way into the aristocracy so I can run this town. For talents, Unpredictable fits the bill, I'm certainly Industrious in my nefarious activities, but oh look at Ruthless. Cheap Shot and Menacing. Now that is perfect, a Ruthless Crime Lord.
Next I finally assign attribute points. I always use the 14/12 because all attributes are somewhat important in SC/MC and I spend a bit of time agonizing over what stat to give the negative. I tend to count in my head which attributes are important for the class I'm playing. Wis, Int, Cha, decent Str, decent Con because of Burglar's low vitality, needs DEX though. I mark down my class skills on my character sheet, since I'm still thinking about taking Regent I mark those down too and see how the lines up. Then I work with my origins skills trying to merge them together so I don't have to jump back and forth with 10 rank in one skill and 10 ranks in another (hate that). Pump up bluff and origin intimidate, giggle about not taking impress but using it constantly and failing. My +2 life style from my Cha isn't high enough to invest in Extra Holding and have a bar at level 1 (
) I grab Depth of Study for my first level feat and focus on using my class feats to get the knife chain and bump my stealth. I notice (as I do every time I make a character) that there is no place for Knowledge checks on the character sheet and I put it on the back. Buy a dagger, some spirits, what nots, and I think that about does it.