juggler - I hope I don't cause any offense...
To my eyes, there are few things that seem a little off in the overall image, as mentioned, the necklace and the hair wisp are distracting. I can see what the inclusion of the hair wisp was planned to be, however, in this instance, the shape is too complex and becomes distracting.
I've looked at it now on both my phone and computer and the processing on the eyes has left them looking a little flat / artificial in my opinion.
My personal recommendation would be a little more contrast and sharpness/clarity to add a little more 'bite' to the image. She has striking features that I would want to emphasize.
That said, it is excellently lit, her pose is perfect and I love the hair - brilliant.