Well, if we could "spot" reduce fat without having surgery I'd luv to know how. haha
I've had the same problem...
The only thing that made a difference for me was switching over to a low carb/high protein diet. There are a lot of variations out there... The abs diet, the adkins diet, etc... but they're all pretty much the same. Read the pros and the cons about them and figure out a sensible plan based on your own research.
For example, on Adkins you can eat all the fatty stuff you want... but I didn't embrace that part. I did the low carb/high protein part, but went easy on the fat intake.
Some people also refer to it as the "chicken and broccoli" diet, because that pretty much sums up what you can eat. haha
In anycase, my trainer recommended the diet, I researched it and went on it (hated the adjustment and the ketosis), but got used to it and it worked.
However, I would not LIVE on that diet. haha If you try it you'll understand why I say that. But the point is that it can get you to where you want to be, then you can develop a more "normal" diet that lets you maintain.
Adkins gives you a great example on how to "normalize" and "maintain" in the last stages because it has you gradually increase your carbs after you reach your target body-fat percentage.
But it all depends on how far you want to go with it... I'd be happy to share more details if you're interested.
Oh, and be sure to take those multi-vitamins if you do a low carb/high protein.