I would be upset too if someone stole all my clothing from the waist up.
More seriously, the piece is simply excellent.
I love the banshee's expression and the anatomy is excellent (She really does look quite emaciated and unwell which makes sense since she's undead). The red hands are a nice touch too (Are they meant to be bloody or just red? If it's meant to be blood it doesn't really look like that). I like how her massive skirt seems to be hanging off her although perhaps it does look a little too much like it should not be able to stay up like it does. I know she's supposed to be ghostly but it does look a little off to me.
The background itself is simply stunning and I'm kind of surprise you put this much detail into something for a CCG. Normally most of the detail is put into the focus of the picture seeing as the artwork is rather tiny on a card. The castle itself could be a piece of its own with the detail in the architecture. (It would be awesome to see it up close). I also like the nice touches with the heavy rain and the ghost lights surrounding the banshee and the castle.
Originality wise, it is perhaps not the most original in terms of setting although your version of a banshee is unique (at least in my book) so I think that mostly makes up for it. Besides, when it all looks as good as this then it is not that big. It’s all about interpretation rather than originality (At least to me) and I think your interpretation is excellent.
Overall, I absolutely love this piece. My criticisms are perhaps a little nitpicky but last time I posted a critique without a criticism I ended up in a protracted argument with a random user so I’m trying to be harsher.
Awesome job I love how you did the colors and the background good job on her skirt too and her hands and I like the blue cobra coming out from behind her and the crows too if those are crows lol. I don't want to insult this but the castle and bridge kind of make me think of harry potter