Adding another material on top of the character? [UE 4.27.2]

How can I add another material on top of the character?

I’m thinking something similar to these:

I found this, but this is only for Unreal Engine 5

There will be several dozen characters in my game, and I don’t want to make a texture for each of them separately.

Best bet in UE 4.x is probably to use Material functions.

They can act as sort of an inverse overlay by nesting a function inside another material, and lerping the outputs of function with the material’s colors or parameters.