Use Text::CSV_XS and enable its binary mode (which allows newlines and other things inside fields).

use Text::CSV_XS ();

my $c = Text::CSV_XS->new( { binary => 1 } );
$c->parse( qq{"abc","def\nghi","jkl"\n} );
print ">>", join( "<<\n>>", $c->fields ), "<<\n";
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Update: Twiddled markers around items.