Transference is about shifting our needs or expectation in relationships, the ways we relate based on past key relationships, onto the therapist.

You don't mention any specifics so I can't guess, but if she's using similar language or speaking style or behaviors as you do, she might be mirroring, which can be done to help relate to you better, help you feel more comfortable.

I wonder what you mean by "what goes around comes around" - if you feel like sharing what happened in session, what she did that reminded you of yourself and some context, it might be easier for us to help, but really, the main thing is to ask her. Please don't let feeling stupid stop you. It's not stupid to notice something and wonder about it. Whether your observation matches hers or not, you'll learn something.