That explains why there is no totem, but it is odd that she is a master at 3 skills and didn't become an elder. How old is she?

She is 76, but when she was 73 she became a master at her three skills.

How are you determining that she's a master in all 3 skills? By the length of the skill bar, or by checking each skill as preferred and looking at her description in the Skill line when you leave the Details sreen?

Checking each skill as preferred and looking at her description.

Well, you're certainly doing it "right!" LOL In that case, I have no idea. We didn't have any reports of "qualified" villagers not attaining elder status during beta. Hmmm....I don't suppose you'd like to try making her work in each of those areas just a bit more and see if she makes master? But you'd better do it quickly, before she dies.

There will be a slight change to the way masters are calculated in the update that's coming, but that doesn't help you now.

OK, I did a count in my game. I have 50 Totems, and my statistics list 50 Elders. I have 35 dead elders and 15 LISTED Elders alive in the game. In addition, I also have these three:
1. Hoto: Master Farmer, Master Scientist, Master Parent (currently selected as Master Scientist and showing as such).
2. Topa: Master Farmer, Master Scientist, Master Parent (currently selected as Master Scientist and showing as such).
3. Kuruk: Master Farmer, Master Scientist, Master Doctor (currently selected as Master Scientist and showing as such).
The three I have listed above have no totems, and I have searched the ocean, the lagoon, and all the green areas.

By the way...reading some of the other posts in this thread. All three of the ones I listed in the abive post show as masters in their fields by actually visually seeing it in words when that is selected. Also, Hoto is in his 50's, Topa I believe is about 48 and Kuruk is 66.

Your situation is easy to explain: the game has a limit of 50 totems. Any elders that are produced after that number won't count in the stats and won't produce a totem.

But will it show them as an "Esteemed Elder" on screen or just as their selected job?

I haven't actually tested getting more than 50 elders, and you're the first one that I know of who has done it. If it doesn't say that they are esteemed elders, then I would have to assume that the limit applies to their title, as well.