well if you did a thermostat/water pump job, there would be very little gease/oil on the top surface of the water. this is beacuse they may be using oil or even grease to assemble the parts like the radiator hoses or the water pump to make things fit easier. this act will show up as oil on top of the water after water circulates. try to just overfill with more water till all the oil clears from there and remove some water to the correct level by suction hose. check again after fews days.
if atf leaks inside it would be white color, h.gasket leak would be milky brown and will match with the dipstick as well.