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not an easy distinction.! the key in Cerretti uses more or less the same characters: the setae on sternite 5 should be slightly shorter than 1/3 of tergite 5 in separata and slightly longer in multispina. The drawings, however, which illustrate this are not so clear. Additional characters are: the setae are much recurved in separata and not much recurved in multispina. all these characters ar liable to interpretation. the lower calypter in separata is brown, whereas in m. yellow or light brown. the pruinose band is hard to distinguish from the general pruinosity in s. and well distinguishable in m. so I suppose that you can file your specimen under multispina.