Pretty simple one you can get playing your very first match.
When you first start playing you will naturally be lvl 1 and have a default set. You can simply switch Money Bomb and Disguise around.
So basically move disguise from LB to RB (Upper position in ability set) and vise versa for money bomb.
Update: tjpatterson146 has mentioned that you might want to customize a character and rename an ability set then use both the customized ability set and character in a match.
It will not unlock in the tutorial if you choose to do it.
It will unlock at the end of the match.