This is a prefinal version of a digital painting. need some crits
Aside from regular anatomy studies ,get into the habit of doing fully rendered colour nude studies of people as well. make special note of how the skin reacts with light, how skin attaches to bone and bridge the gaps between cetain elements. I say this because it looks like she has fake breasts and the forms of her shoulder are inconsistent. how is it that the top of the collarbone is fully lit all the way but the front portion of her trapezius isn't? You're seperating the lights and the form there in your mind, and isnstead of a rounded form with details it comes out looking like the collarbone is almost floating in front of the shoulder.
Natural breasts don't have a top lip there where it "meets" the chest, it just melds into it. Unless she's wearing a corset under the water, blend her boobs.
her leg is really skinny, especially if you take foreshortening into account. Get some reference for hair and water or follow it a bit more closely, because right now the texture of it seems off.