@Lapis
So I have two possible characters I might be able to throw at you here. Both are listed in my signature.
Lochlann is a water horse, but he's never been to the land of fae. He was born in Europe and lived in America before he came to SA. He spends a lot of time looking and acting human and, for the most part, has never had actual fae friends. (His last fae girlfriend died, but that's another story.) It might be interesting to throw them together if you're up for it.
The other option I have is Cabel.
Cabel is an alchemist who pays for college by selling magical drugs. He's best known for drugs that get people insanely high with very minimal side effects, mostly those that cause you to expell rainbows in some manner. He's got some connections to the black market since he utilizes it to sell his wares.
I understand if neither of these are quite what you're looking for but I did want to offer. :)