One option is to create a custom MappingStrategy class and implement the method populateNewBean(...) providing you means to populate beans as you like.
See this example:
public void example() {
    Reader in = new StringReader(
            "1,Doe,John,123 Main St,\"Anytown, USA\"\n" +
            "2,Dean,James,111 Some St,\"Othertown, USA\"\n" +
            "3,Burger,Sam,99 Beach Avenue,\"Sometown, USA\"\n");
    CsvToBeanBuilder<Person> builder = new CsvToBeanBuilder<Person>(in)
            .withMappingStrategy(new PersonMappingStrategy());
    CsvToBean<Person> ctb = builder.build();
    for (Person person : ctb.parse()) {
        System.out.println(
                person.id
                + "\t" + person.lname
                + "\t" + person.fname
                + "\t" + person.address.line1
                + "\t" + person.address.line2);
    }
}
class Person {
    String id;
    String lname;
    String fname;
    Address address;
}
class Address {
    String line1;
    String line2;  
}
class PersonMappingStrategy extends ColumnPositionMappingStrategy {
    public PersonMappingStrategy() {
        this.setType(Person.class);
    }
    @Override
    public Object populateNewBean(String[] line) throws CsvBeanIntrospectionException, CsvRequiredFieldEmptyException,
    CsvDataTypeMismatchException, CsvConstraintViolationException, CsvValidationException {
        Person person = new Person();
        person.id = line[0];
        person.lname = line[1];
        person.fname = line[2];
        person.address = new Address();
        person.address.line1 = line[3];
        person.address.line2 = line[4];
        return person;
    }
}
The output is
1       Doe     John    123 Main St     Anytown, USA
2       Dean    James   111 Some St     Othertown, USA
3       Burger  Sam     99 Beach Avenue Sometown, USA