#!/usr/bin/perl -w
use strict;
use Data::Dumper;

my @col_def = qw/ id name street city zip phone start_dt /;
my %ACCTS;

open(IN, "< myfile") or die "Help!\n";
while (<IN>) {
    chomp;  # need to remove \n character, otherwise last
            # field will contain \n
    my @cols = split /\|\|/;

    $ACCTS{$cols[0]} = {
        map { $col_def[$_] => $cols[$_] } 1..$#col_def
    };
}
close IN;

print Dumper(\%ACCTS);