Enemies are like contacts in reverse. They represent some npc(or npc group) that has a hard-on for the character. They have connection and loyalty. The trick is that loyalty represents how much of a hard-on they have for the character. Example: connection 12 "anti loyalty" 1, you cheesed off some AAA bigwig but he's not willing to throw his weight around much. This would be worth 13 points.
Granted this is almost not explained at all in 5e material, being an import from 4e, with catalyst's usual editing prowess.
Player and GM should work together to flesh out the npc into a fully built character.