Liara could also be a main character. As an asari with her knowledge of the Protheans and biotics, she might be intrigued by Venom's symbiotic nature. She could study Venom and try to understand how it works, which could lead to some scientific revelations within the fanfiction. And of course, Venom itself would be a central character, with its own motives and actions driving the story.
Shepard could be one of the main characters. Imagine Shepard having to deal with Venom's presence. Shepard's leadership skills would be put to the test as they try to figure out if Venom is a threat or an ally. Also, Garrus could be involved. His combat skills and loyalty to Shepard would make for some interesting interactions with Venom.
The main characters are Naruto and Jack, but the fanfiction could also introduce new characters that are a blend of the two universes. For example, there could be a character who has both chakra - like Naruto - and biotic abilities - like Jack. This new character could be the result of some experiment gone wrong or a natural occurrence in the combined universe of the fanfiction. And of course, there would be various antagonists, such as the usual bad guys from the Mass Effect universe who see Naruto as an unknown and dangerous variable, and perhaps some of Naruto's enemies from his own world who have also found their way into the Mass Effect universe.
Shepard could be a main character. Given their experience in uniting different species and facing great threats, they would be a natural fit in a world war scenario. They could lead a coalition against a new enemy.
Shepard from Mass Effect could be a main character. They could lead the XCOM forces in a joint mission against a common enemy. Their leadership skills would be very useful in coordinating the two very different groups.
An Asari scientist could be a main character. She might be intrigued by the mystery of the abandoned Earth. Her knowledge of biotics and different cultures in the Mass Effect universe could help her in deciphering the secrets of Earth. She could be the one to make the first contact with any remaining humans or discover important artifacts. Also, a Krogan mercenary could be a main character. His brute strength and combat skills would be useful in exploring the dangerous and desolate Earth. He might be in it for the loot or just the thrill of adventure.
Some fanfictions focus on the idea of the symbiote being a sort of 'alien within an alien' in the context of Mass Effect. It could be hunted by Cerberus for study, thinking it's a new type of alien life form. The Venom symbiote's need for a host and the way it changes the host's personality could lead to some really complex and engaging storylines. For example, if a Krogan became the host, how would the combination of their natural aggression and Venom's influence play out? It could be a really wild and exciting read.
One idea could be that Venom's symbiotic nature interacts with the biotics in the Mass Effect universe. Maybe the symbiote gives a character enhanced biotic abilities that are unique and unheard of. For example, instead of just pushing or pulling with biotics, they can create a sort of living shield made of the symbiote's substance.
There might be a human scientist who is at the forefront of some revolutionary discovery. This character could be trying to unlock the secrets of an ancient alien technology that has the potential to change the course of humanity's future in the fanfiction.
It could be a mix of characters from both universes. There might be classic WW2 soldiers like Patton or Eisenhower, but with a Mass Effect twist. Maybe they have some kind of exposure to Mass Effect technology that gives them special abilities. Also, there could be Mass Effect characters like Shepard who are somehow transported to the WW2 era.
Obviously, Tevos is a main character. She's a significant figure in the Asari government. And then there are the OCs (original characters). These can be a wide variety of beings. It could be a human soldier who gets involved in Asari politics because of some incident related to Tevos. Or an alien scientist who teams up with Tevos to study an ancient Prothean relic. Each OC brings their own backstory, skills, and motives to the story.
A human scientist could also be a main character. The scientist could be part of a team studying the Turians' technology during the war. They might accidentally discover a way to end the war but have to convince both sides to trust them. Their knowledge of science could be the key to peace, but they face a lot of opposition from military leaders on both sides.