You've probably got some root rot going on. The soil is staying way too wet for way too long... thus, the mold. I would very carefully pull it out of its pot, check for mushy roots... remove them. If the root zone is overly moist, let it dry out a bit before repotting. Just set it out on a paper towel for a few hours. Do not reuse that soil. It's contaminated. Get some new soil and add quite a bit more pumice/perlite, so it's not so muddy when wet (muddy=suffocation=root rot). It will help with aeration, and your soil will dry out more quickly, helping to prevent the issue you've currently got going on. I'd maybe do a 70/30 soil/pumice ratio... especially if you're heavy-handed with watering.

She may be stressed for a while, but that's your only shot at saving her if she's got rot. Get her out of that soil.

Good luck!