Witness Lee Inwood said his wife was "confronted" by the terrorist on the beach before the attack.
The couple were walking towards the sea when she stumbled on a children's spade and nearly fell into a group of people, Mr Inwood said.
The Briton said among the four local men and four local women was the gunman who confronted her.
Mr Inwood said the group was later acting "very strangely" and the women were taking photos of the men with tourists' children and also pictures of holidaymakers on sunloungers without permission.
He said "something was not right, it feels weird" and claimed local people do not normally "hang around" that area and leave the tourists alone.
He thought the photos were "trophy pictures".
Mr Inwood also said he was told by his hotel director that there were three gunmen in the attack, not just one that authorities claimed. He said he had given a statement to British police.