I know exactly where youre coming from. I had the same prob....main area I had a bit of fat is pretty much exactly where you dont want it.
What worked for me: (and only works if you continue to do)
Cut out beer and other alcohol.
Cardio in the AM at least 3x a week....continue lifting in the evenings 3 or 4 times a week, just more focused on intensity than strengh gains
DIET had to cut the cals. It sucked till i got used to it. And I cheated one day a week to shock my metabolism and reward myself. This is the only thing that has ever really worked for me. I even tried clen and t3, didnt notice much if ANY diff...the real results come from good diet and cardio consistency. Which is hard to hear, but the truth hurts. lol.
I know everyone says this, and I was the guy that wanted to find out for myself. And I did.