My guess is that the material at the top is tartrates possibly combined with a protein precipitate, which is not much of a concern at this time. Excessive racking will do more damage than good. I would rack if you have a sulfide aroma associated with heavy yeast lees, otherwise allow to settle clear. The recipe did include some tannin which should help with protein precipitation, but in the end may not be enough. Just relax and allow time to work for now, again you can use fining for clarification if you are in a hurry, but otherwise relax.