“When you’re talking about someone who died, you have to do the sign of the cross after you say something, especially if you said something bad.”
My informant comes from an Irish-American Catholic family. Crossing oneself is a common gesture within this community, especially when talking of the dead. Although Catholics don’t technically believe in ghosts, the general consensus seems to be that speaking ill of the dead could lead to repercussions for the speaker. Crossing oneself could help with any negative effects of speaking ill of the dead. In addition, crossing oneself when speaking of the dead in general serves as a blessing and a way of commemorating the dead; it is a sign of respect.