The player can change their appearence in the Character tab in the bottom right of the main menu with a variety of options, which include:
You can access an online character customizer here.
Players have an ability to purchase temporary customizations in the "Equipment" tab that disappear when they leave.
Necklace 1 is a small necklace with a golden pendant.
Necklace 2 has a large, low hanging gold dollar sign.