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I am Mysticdoc, experienced Internal Medicine Specialist.
I am here to help you with your concerns.
Given your strong family history of melanoma, and you being fair skinned, the risk of melanoma is increased in your case.
The features of suspicious mole will be growing size, irregular edges, change in color, bleeding.
But these features may not be present sometimes.
And melanoma can present under the fingernail as well.
You should consult with a dermatologist first for further evaluation soon.