Custom Character keeps getting moderated

My game will have several base bodies for characters. I plan on adding layered clothing overtop each of the base bodies.
Several of these body types are female, and the model keeps getting moderated every time I try to upload it. Specifically, the UpperTorso. This is the model in question:

The torso itself (the moderated part, with uploaded texture & no texture):

What am I doing wrong?

The docs mention a modesty layer, but I have that, do I not? It covers up the ‘sensitive’ parts of the character. I uploaded the modesty layer as a texture on the mesh, is that incorrect?

How do I get my mesh accepted? Am I uploading the modesty layer wrong? Finally, does anyone know of any workarounds?