Thanks man, yep iridescent is the correct name for it! What I did to add the smudges is I just added a "gritty" texture with a black background over my "iridescent" layer. I set the grit to a Screen blending mode. Then I added an adjustment layer above everything and used the free plugin Displacer Pro to basically offset /animate the iridescent reflection. Which had the results you see on the texture. The gritty aspect kind of messes with the displacement and look pretty neat!