I want to get rid of my lower belly pooch, how can I get rid of it for good?

I'm 24, Female, about 115 lbs and I'm 5'2. I've been working on getting a flat stomach for about a year now and I can't get rid of my lower belly. I eat healthy, do cardio 4 days a week, and weight train usually 3 times a week. What else can I do to get rid of it for good??