Melanoma detection is vital for early diagnosis and effective treatment. While deep learning models on dermoscopic images have shown promise, they require specialized equipment, limiting their use in broader clinical settings. This study introduces a multi-modal melanoma detection system using conventional photo images, making it more accessible and versatile. Our system integrates image data with tabular metadata, such as patient demographics and lesion characteristics, to improve detection accuracy. It employs a multi-modal neural network combining image and metadata processing and supports a two-step model for cases with or without metadata. A three-stage pipeline further refines predictions by boosting algorithms and enhancing performance. To address the challenges of a highly imbalanced dataset, specific techniques were implemented to ensure robust training. An ablation study evaluated recent vision architectures, boosting algorithms, and loss functions, achieving a peak Partial ROC AUC of 0.18068 (0.2 maximum) and top-15 retrieval sensitivity of 0.78371. Results demonstrate that integrating photo images with metadata in a structured, multi-stage pipeline yields significant performance improvements. This system advances melanoma detection by providing a scalable, equipment-independent solution suitable for diverse healthcare environments, bridging the gap between specialized and general clinical practices.