Can't see iCloud photos uploaded from PC in my iPhone

I have the latest version of iCloud desktop for Windows 10 installed, and I have iOS 13.1 running on my iPhone 6s.

I moved a jpg file into the "iCloud Photos -> Uploads" folder on my desktop. I can see this file perfectly in iCloud.com, along with all the photos that are currently stored on my iPhone. However, when I try to find the photo on my iPhone 6s, it is nowhere to be seen. Any thoughts as to what I'm not doing correctly?

My iPhone settings under Photos:

• iCloud Photos: ON
• Download and Keep Originals CHECK
• Upload to My Photo Stream OFF
• Shared Albums ON
• Transfer to Mac or PC: Keep Originals CHECK
•