All body parts are separated on different layers.
If your character is a single layer drawing/image then you need to cut it up into separate body parts and place them on the proper layers.
Look at the CTA3 PSD template file and you will see how the characters body parts are placed.
Note that the name of the layer determines where the body part goes so follow the RL layer naming convention.
See my CTA Tutorials on the YouTube channel CTAStepByStep
Check out EZColors for CTA. The easy way to change Render Styled (RS) colors.