Jack has always been lucky. Growing up in working class south Boston Irish-Italian family Jack did well at school sports and very well on the state mandated tests. He even managed some small national attention by winning the Pox! cereal "Hero for a Day" essay contest. He was flown to Star City and spent the day with
Alpha Squadron (or whatever the JLA/FF/public facing popular hero org was in this world) touring their non-secure facilities and being good PR. He even met Champion.
Of course he lived in Southie and his family wasn't exactly as clean as the Pox! PR machine made it out to bre. Eventually Jack came to the attention of the Winter Hill mob. Some small jobs and a stint or two in juvie convinced the mob that Jack was loyal and useful. Jack was never a full 'made man' but he was used as a driver, look out, bag man, leg-breaker, and occasional bodyguard. He was arrested several times but serious charges never seemed to stick.
He was New Jersey transporting some cash when the Winter Hill mob went down.
He went independent after that making a small name for himself as a villain-for-hire. He took the name Jack of Clubs from the police baton he prefered as a weapon.
When the invasion happened Jack was in the state Pen inn Jersey City awaiting trial for his part in a string of bank jobs. He was lucky to be in the yard when the F-35 crashed into the outer wall.
Over the next two years he slowly moved down the coast trying to stay below the V'sori's notice. His luck ran out in Star City. A fight with a street gang went south and he ended up in the emergency ward getting a bullet removed. One of the doctors saw he was healing too fast for an ordinary human. A simple phone call meant more resources for the hospital and a V'sori holding facility for Jack.