Hi
I also have 'genetic' dark circles under my eyes and a few years ago got some advice in David Jones cosmetic counter. The product I have used ever since is by Laura Mercier, called Secret Concealer Anti-Cernes Hydratant. I use No. 2 as I have pale skin. I now buy it online through Strawberry Net, it's about $25 compared to $50 in the stores and the small tub lasts months and months. Here's a link:
Laura Mercier