Don't worry, you look okay, maybe jsut could be a bit more toned. As well as the cardio maybe try some ab work to tighten up that area. Not just simple ab crunches though, they are pretty ineffective. Try (google) bicycle crunches, the plank, and killer one is eleknas, seriously tightens up your core so well. Depends on your natural physique as well, my bmi is around 18 and I run and go to the gym a lot but my face and tummy tend to look chubbier than the rest of me =/