Mr. Selachidon

She only takes cash payments pal. Bug's don't pay taxes. Except Bug Taxes. Which is a weird thing on it's own but only occurs in certain areas. But still.

It's probably the goggles, storywise though, she's just a Mail Carrier and sometimes she has to go in Saltwater to deliver parcels or letters.

Frogs and other semi-aquatic species in the setting usually have the job of delivering packages and letters from and to water dwelling folks, since you know, they can go between them quite quickly.