I've noticed a similar problem with my tree. It is less than one year old and potted in a mix of the cocnut chips and ground coconut husk as recommended here in several other posts.
Other than the mold it seems to be doing great but that mold has me worried. I've only watered it a couple of times since I moved it indoors but it is staying pretty moist. The bay window there is above my baseboard heater and it seems to stay in the high 70s there when I have the shade closed, lower like 69 when the shade is open.
Do I have to re-pot it to get rid of the mold? Maybe I got the mix off (not enough chips, too much grounds) so it's holding too much water? It seemed fine all summer long outside but it's been indoors in a window now for a couple of weeks and it started getting ugly.