Just a guess that the white layer might be low-solubility stearic and palmitic soaps from the cocoa butter and/or unsaponifiables from the jojoba. Or it could be superfat, although my mental picture of an overly superfatted or overly neutralized soap is the top layer looks more like curds in spoiled milk than a thin even layer like what's in your soap.
I made a LS with lard and this soap has a thin floating layer much like yours. I absolutely know it is not fatty acids or fats -- I wondered about that and added enough KOH to some of the diluted soap to make it intentionally lye heavy. The lye-heavy sample still had this thin white layer.
Irish Lass uses polysorbate 80 as an emulsifier for fragrances and stearic acid -- it might also work to emulsify the floating bits so your soap looks more consistent. Or you could remove this layer by skimming off the surface 1/4 inch after letting things settle for awhile. Or just embrace the soap as it is!