Hateful memes are malicious and biased sentiment information widely spread on the internet. Detecting hateful memes differs from traditional multimodal tasks because, in conventional tasks, visual and textual information align semantically. However, the challenge in detecting hateful memes lies in their unique multimodal nature, where images and text in memes may be weak or unrelated, requiring models to understand the content and perform multimodal reasoning. To address this issue, we introduce a multimodal fine-grained hateful memes detection model named “TCAM”. The model leverages advanced encoding techniques from TweetEval and CLIP and introduces enhanced Cross-Attention and Cross-Mask Mechanisms (CAM) in the feature fusion stage to improve multimodal correlations. It effectively embeds fine-grained features of data and image descriptions into the model through transfer learning. This paper uses the Area Under the Receiver Operating Characteristic Curve (AUROC) as the primary metric to evaluate the model’s discriminatory ability. This approach achieved an AUROC score of 0.8362 and an accuracy score of 0.764 on the Facebook Hateful Memes Challenge (FHMC) dataset, confirming its high discriminatory capability. The TCAM model demonstrates relatively superior performance compared to ensemble machine learning methods.