This outfit bothers me. I assume the dress is a velvet and the top is a black sheer cotton? The high waist doesn’t compliment her body (throws the proportion off) and the sight of the bra strap is unpleasant.
I agree that the top is incongruous with the skirt. She seems to have a wrap or sweater with her, so she probably thought of the entire ensemble. The tank top alone makes her look half-undressed, because the skirt is so heavy.
But I’m happy that the skirt is neither black nor grey. And she looks nice.