Does this look like ringworm to any of you? I know the "ring" isn't clearly defined yet but just want to be sure to treat it early so it doesn't get too itchy/bad for baby. The white part in the center is a bit scaly/paper-like to touch compared to the rest of her skin

It doesn't seem like a ring worm. You can read more on the symptoms of ringworm from here. http://www.medicinenet.com/ringworm/article.htm. Ringworm causes a scaly, crusted rash that may appear as round, red patches on the skin.Other symptoms and signs of ringworm include patches of hair loss or scaling on the scalp, itching, and blister-like lesions. You can try natural remedies first, by using Four Cow Farm Tea Tree Remedy for skin rashes and infection. It contains all naturally made ingredients. If the skin didn't get better, please visit doctor to get medicated cream.