In Easy, Easier, Easiest Tailoring by Palmer and Pletsch, they suggest the adjustment (tuck) can be made either higher or lower than the waist. They even suggest making 2 small tucks.
So if the fabric pools above your waist, here's how you start.
If the centre back is a fold on your pattern, add seam allowance so you can shape this area better. That's what I do for knit and woven tops.
So the centre back is now the same length as the original pattern and the dart is still the same length too.
This pattern needs a second smaller sway back adjustment below the waistline, just as Palmer and Pletsch suggested.