It looks grainy and your effects are mediocre. Again it has no depth and you neeed to work on a flow. Your effects aren't controlled. They also distract from your focal.
Doesn't really look like underwater.. When I first saw the tag first thing that came into mind was the Displace and Noise filter because I see no relations to water. It should be smoother, having more blue coloring to simulate the concept and use of water textures.
I really like the effects and colors. But the effects are sharper than the girl, so it kind of throws off the focal point.
