Yah, I think you're right about the shoulder. It's not necessarily bulky, like a guys, but it might be a bit too pointy. The figure is leaning on that arm a bit, so the shoulder should be pointing upward a bit - instead I got it mostly pointing outward, making it look more defined. I wonder if I soften the edge just a bit if it would help.
The clavicle is a bit too defined as well - but again, if she's applying pressure to that spot...