Couple of ways
1. sim swap: if you have the victims number and their fullz, call up telephone provider and tell them you lost your phone and to transfer their old number to your burner phone number
2. Using banks that don't support MCSC, you can do this by searching 'non MCSC bins'. Make sure to find an updated thats at least 6 months old. NON 3d secure bins are growing smaller every year, so get in fast!
3. Have such a good setup that fraud system won't notice that you're scamming, this included using Mullvad VPN, 911.re socks (or and RDP from wannabuy), The Linken Sphere browser and all that.
Hope it helps