Cardio will eventually allow your entire body to catch up, but unfortunately, you probably will lose unevenly. Like others have said, jogging/running is the best way to accomplish this.
Although tummy exercises such as crunches probably won't show a huge difference at first, it's definitely something you should add to your routine. It will start working and toning your muscles underneath the fat, which will strengthen your core and do wonders for your body in general. Once the cardio does its wonders and couples with the strength training to burn the fat, you'll see that muscle toning will give your tummy the look you want as well.
Hope that helps!
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