The breasts should be more spread apart. Yours look like they are being pushed together. Without a bra the breasts should be more spread apart. The belly looks too flat. Her sides look like a box, it should be more rounded and not so flat. The shape of her rib cage should be more subtle. There are other anatomy issues as well. If I were you I would try and find some muscle anatomy references for females, and use it as a guide. She needs some more work but it's a good start.
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When asking for critique on adult material, please add NSFW to the thread title. For obvious reasons.
Along with the good tit crit above (haha, I said tit crit), look at some neck muscle anatomy. She is super emaciated looking. Need to be smoother.
oh yeah and next time i'll add the NSFW
I think the title pretty much gives it away too. What else were you expecting to find with a title like "Female Torso" :P